Starting journey
Hi Glenda. I just wanted to stop by and welcome you to the Illinois Board. I wasn't able to get approved by BCBS and decided to do a self-pay because I didn't want to wait anymore. So I don't have any experience in the waiting and approval game. Hopefully someone here will post. I just want to wish you the very best in whatever decision you make. It has to be what is best for you!
Lucy

"I have BCBS of Illinois PPO. They ARE particular that their criteria are met, and they have a tendency to deny the first submission no matter what. They hope that by denying the first request, you will just go away, but DON'T, keep after them and you will prevail. Most of the time, they will deny the first request saying that they are missing a piece of information and you usually just have to point out to them that you already gave it to them. "
Ain't that the truth...they told me the same thing. They claimed that my visits to the medically supervised weight loss were not in there. What a pile of BS. They were in there, it was confirmed when a BCBS customer service rep looked in my file.
Nonetheless, on appeal, the 'missing' information was there and I was approved. ::)
Hi Glenda,
First of all, you made a great choice in surgeons! (I'm partial but what can I say?)
Second of all, BCBS of IL is really strict with their pre-requisites. If they say "medically supervised diet" of however many months, that's EXACTLY what they mean. Contact your insurance company and ask them how often you need to be seen by your doctor and for how long. Some plans require once a month doctor visits and weigh-ins, some require more, some less.
Your greatest asset on this journey is knowledge. You are not at the mercy of your insurance company unless you let yourself be. Educate yourself, ask questions, think of contingencies and ask more questions. 9 times out of 10, the service agents on the phone are HAPPIER to have someone on the phone asking questions than having someone on the phone yelling and screaming out of frustration and "no one told me that!"
Keep notes of who you spoke to and when, whenever you call the insurance company, too.
Also, you need to know that with Dr. Kane, if he tells you to lose X number of pounds before you have your surgery, you need to do it. He WILL cancel your surgery if you gain.
He wants to be sure you are serious about this journey. He tells everybody that the surgery works for a period of time and then the rest is up to you. It's not a miracle balm. They don't do surgery on our heads, they do surgery on our stomachs. You have to show commitment. Don't worry about overthinking the doctor supervised diet. Unless you're right on the BMI cusp, you aren't likely to lose TOO much on a medically supervised diet to make you ineligible. BCBS is not going to look at it and say, 'wow, you lost weight the old-fashioned way, keep going, we're not going to approve your surgery..."
Dr. Kane's office staff is fantastic at getting people approved. They are absolute EXPERTS.. they know what to say to whom and how to make sure you will have a healthy outcome to this whole process.
As for which surgery to have.. well.. I had a similar concern.
I started out wanting the LapBand.. mostly because I was squeamish about cutting and pasting and completely rerouting all my pipes.. but I did a lot of reading and researching. I had to evaluate not only the potential risks of the surgeries I was considering but also their typical results and, more importantly, MY OWN weaknesses and habits.
It boiled down to this: I know how I am. I know if there's a way to get around a barrier, I will find it and use it EVERY TIME.
LapBand wasn't the answer for me. I knew I needed a barrier I couldn't get past as easily. I needed a physical limitation (malabsorption) to aid me or I would never succeed. That's how I came to my decision.
SO... (dangit I'm long-winded)... let's recap:
EDUCATE yourself about your insurance pre-requisites.
TAKE CONTROL of your healthcare plan -- don't be fooled into believing it controls you.
RESEARCH the surgeries you're considering and how they work.
EVALUATE yourself. Be realistic (even harsh) with your own habits and weaknesses and you'll find the answers you need.
Oh.. and come here for support whenever you need it. The message boards are GREAT!!
Stef
RNY 11/12/04
5'11"
390/236
/175
