Does anyone have experience with GHI covering Lap-Band?
Good evening: I am currently covered under Anthem BC/BS but there is a small business policy exclusion with my specific plan. My employer has offered to purchase a separate policy for me, providing it's around the same price as my current policy. I live in NY and found a policy with GHI (Alliance Value Plan) They tell me they cover the band if it's "medically necessary" I know I will have no problem meeting the requirement but it makes me nervous that they won't give me many specifics about coverage related to WLS until I purchase a policy. I'm hesitant to cancel my BC/BS policy in favor of this GHI plan because the one catch to the GHI plan is, it doesn't cover office visits. That would all be out of pocket cost. I am starting a 6-month doctor supervised diet next week (my doctor's office says it is a requirement for GHI) and have an appointment with the surgeon in two weeks. Any words of wisdom or advice re: GHI coverage? Thanks
Gary: I was told by my doctor (PCP) today that GHI is merging with HIP. I was told by GHI the plan will be the same but they want me to buy a policy so they are going to tell me what they think I want to hear. Any experience with HIP? My doctor's office said HIP is a nightmare to work with!!