Question:
Dr. sent infor to BCBS, Ins. said pre-cert for surgery, I can have surgery?

I went to the doctor for my initial consultation 3 weeks ago. I called BCBS last Monday to see if they had received my doctors request for approval on my surgery. They told me to check back today, I did and they said the surgery was approved with a three day hospital stay (unless longer was medically necessary). Does this mean I can schedule my surgery after completing all of the doctor's requirements? I have read all of the posts from people talking about all of the insurance company requirements, this seemed to easy, is there more I need to know?    — Charlotte R. (posted on October 4, 2003)

October 4, 2003
If the insurance company said that you were "approved with a three day hospital stay...", then that means you were approved and you can have the surgery! Insurance companies usually have a standard length of hospital stay, unless medically necessary for a longer stay. Check with the surgeons office and they should have the approval. My surgeons office notified me once they found out about the approval. I was approved on first request in about 2 days.
   — tmchase62

October 4, 2003
I too have BCBS Federal insurance and it was as easy for me as it was for you. I called the insurance company before contacting a surgeon and they told me it was a surgery they would cover. After the Dr. sent in the paperwork I received a letter saying I was precertified for a three day hospital stay. I had to pay the hospital $100.00 dollars and about $600.00 for other services.Good luck with your surgery and Thank God for BCBS.
   — Debra W.