Question:
Has anyone used BC/BS USAA for WLS?

Has anyone used this insurance? I have selected a surgeon in San Antonio, Texas and although my primary insurance company has a specific exclusion, hubby's insurance (BC/BS USAA) will allow it if medically necessary. The policy is adminstered by BC/BS for USAA. I have heard from my dr.'s office that they are now cracking down on this and they believe I have a good shot at being approved (310 lbs, 5 ft. 6 in., 50 BMI) but I would like to hear from anyone else that has had any experiences with them. Thanks.    — MonicaR (posted on February 14, 2002)

February 14, 2002
I don't know about the "USAA" part, but I am having a terrible time getting federal BCBS to pay. They won't do pre-approvals; you have to just have the surgery and hope for the best. Now they are not paying anything. They tell me it's because of the diagnosis the clerk put on the claim. I'm having trouble getting my doctor's office to refile. Be very careful. I hope you can get a pre-approval; don't confuse that with a pre-certification. It's not the same thing. The insurance lady at my doctor's office did not understand that. I hate BCBS and will be changing as soon as I can. I hope you have better luck. Good luck with your surgery.
   — N M.