Question:
Need advice on individual BC of ID plans!

I have the application for Blue Cross of Idaho. If anyone has any experience on which plan is best for covering WLS PLEEEASE contact me. I only have until Tuesday to get it FAXED in for coverage for March before the rates go up. Has anyone used "Personal Blue" Major Medical 1000, 2000, 3000, or 5000????    — Shelly S. (posted on February 23, 2002)

February 22, 2002
Shelly... I do not have that insurance but have learned a lot trying to get my own through. Since time is of the essence for you: Go on this site to insurers and look up your insurance and see the listings of people they have or have not covered. It will give you a sense. The key part though is finding out what exclusions your policy has. If your company has placed exclusions on it then it may override everything else. Find out if your company (assuming its your employer?) is self-funded. If they are, they can make a lot more of the rules outside of the system. If you go ahead with it, then cover your bases and make sure you send everything in when your Dr. submits your info for approval: letters of medical necessity, medical history, comorbidities, etc. Good luck to you.
   — AJC750

February 23, 2002
Shelly......I had applied for the Major Med2000 policy. It has a $2000 deductible, but pays 100% after you meet that, so no 90/10 or 80/20 splits on top of the deductible. The exclusion they listed was a little vague, but it also gives the impression there is an exception for "medical necessity". That seems to be the case on all of the Major Med INDIVIDUAL policies in Idaho, to my knowledge. Hope that helps, let me know how it comes out.
   — csrodriguez