insurance hurdle BCBSNC PPO

I've been told insurance co requires a 5-year weight history and I just got a call from my surgeon's office and they say they have received my medical records but I am missing 2005!  Said they would have to have it since I have BCBS.  Anyone else had a missing year and got approved anyway?  I'm not one to visit a dr regularly, more on an as needed basis, but surely I saw someone in 2005 for something, right?  Would BCBS keep records of claims made in 2005 and might I get the information from them?  Thanks for any and all help!

Hmmm....its possible. Definitely worth a shot. Give your ins co. a call.  What do you have to lose?

You can get away with only 4 years, I did. I dont even think they noticed I was missing a year... BCBS requires you to meet 4 of the 5 years for their criteria anyways. If you have other Drs you saw - like an OBGYN you can get records from their office as well... or any other Dr, ER visit. Yes BCBS would keep records of claims - from 2005 you will more than likely have to send a request in writing and they would have something like 30-45 days to respond (maybe longer, I dont remember off hand). They cannot give you claim information over the phone unless you can give them 2 pieces of information relating to the claim - something like date (or date range), dr you saw, reason for visit/diagnosis.

THANK YOU!!

I got approved with only 4 of the 5 years and several of the years I had were only Weigh****chers.  I copied my WW books to show my weight and where WW stamped it.  I was approved in 3 days. Good Luck.

Do you have any comorbidities (diabetes, sleep apnea, high blood pressure) - if so, you don't even need 5 years history.  Also, they do not have to be consecutive years, just 5 years showing you were obese. BC/BS PPO is the greatest, I was approved overnight! Good luck!

I was approved with only 4 out of 5 years also...and they were non-consecutive!  If you have a documented weight from say 2002, 2001, etc. that might help.  If I'm remembering correctly, I had 2001,2005,2006,2007.  Best of luck to you.  BCBSNC PPO is probably the most forward-thinking insurance company on this issue.  I don't feel that you'll have any problems. 

I know I physically had to go to one of my doctors office to get the records.  I also had one visit to the ER in one of my years so I requested that.  If you have a photo of you that shows the date you can sometimes use that.  Good Luck!

You shouldn't have any problems as long as you have 4 of the last 5 years.... :-)