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kc82
on 1/10/13 10:25 pm - MI
VSG on 05/28/13
Topic: Blue Cross Blue Shield of Michigan

I received a letter in the mail yesterday from BCBSM with the information that was provided to me over the phone earlier this week. I know that many BCBS plans are different, but I thought I'd share what my letter stated as far as coverage is concerned for bariatric surgery.

 

P.S. - I have Blue Cross Blue Shield of Michigan - Community PPO

 

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Gastric Bypass / Adjustable Gastric Banding Surgery

 

Fact Sheet

 

Approved bariatric surgical procedures, including sleeve gastrectomy, are considered established for the treatment of morbid obesity if all of the following criteria are met:

 

  • The patient has a body mass index greater than 40, or a BMI of greater than 35 with comorbid (accompanying) conditions such as degenerative joint disease, hypertension, hyperlipidemia, coronary artery disease, presence of other atherosclerotic diseases, type 2 diabetes mellitus, sleep apnea or congestive heart failure.
     
  • Risks and benefits of the planned surgery, including those related to the patient's age, should be documented in the clinical record. BCBSM has no age requirements for bariatric surgery for adults.
     
  • The patient must be clinically evaluated by an M.D. or D.O. The physician must document, in the medical record, the failure of non-surgical efforts to lose weight. The document must include that the patient participated in a structured, professionally supervised (physician or non-physician) weight-loss program for a minimum of six consecutive months within the last four years prior to the recommendation for bariatric surgery. (The requirement to participate in a weight-loss program is waived for super morbidly obese individuals who have a BMI greater than 50.) Documentation also should include periodic weight, dietary therapy and physical exercise, as well as behavioral therapy, counseling and pharmacotherapy, as indicated.
     
  • The surgeon should document that the patient understands the benefits and risks of the available surgical and non-surgical management strategies. This documentation also must include an informed decision to proceed with bariatric surgery with an understanding of the surgical risk and the commitment to medical management thereafter.
     
  • A contracted mental health professional must perform a psychological evaluation prior to the surgery to establish the patient's emotional stability, ability to comprehend surgery risks and to give informed consent, and ability to cope with expected postsurgical lifestyle changes and limitations. This consultation may include one unit of psychological testing for personality assessment (for example, the MMPI-2 or the adolescent version, the MMPI-A).
     
  • The physician should arrange follow-up with the patient to monitor for any long-term complications occurring as a results of gastric surgery.

 

In cases where a revision of the original procedure is planned, documentation of all of the following is required:

 

  • Date and type of previous procedure
     
  • Factors that precipitated failure
     
  • Complications from the previous procedure that affect the patient's inability to maintain the weight loss. If the indication for the revision is a failure of the patient to lose a desired amount of weight, then the patient must meet all of the initial preoperative criteria.
Dean66
on 1/10/13 11:49 am - Clackamas, OR
Topic: RE: UHC Help or advice Needed They say it is excluded in Oregon

Thank you for the reply.

The surgeon is a good question. I have been in contact with Oregon Weight Loss and the insurance coordinator took all my information and is the first one that said the insurance company will not pay for any of it, even if it is medically necessary.  They wouldn't even see me unless it was a private pay basis.

My regular doctor had mentioned a few times about sending me to a cardiologist. I then said I wanted to know how my heart was as well. So he referred me to one. They did an ultrasound and a stress test. The Cardiologist said my heart is in great shape and that he feels the surgery would be a benefit to me and that I was a perfect candidate. He then wrote a letter stating all the things that are wrong and how much this would benefit my health.  I don't think this information ever got past the insurance coordinator at Oregon Weight Loss. I did talk with the insurance company and it doesn't sound like it would have made any difference.

I had heard there was a way around this if it was a medical need and not just weight loss surgery. :-(

Thank you again for responding and congrats on your surgery.  I am sure it said you had it last month. How are you doing and would you do it again?

 

Dean
noftessa0401
on 1/9/13 4:38 pm - San Diego, CA
RNY on 12/27/12
Topic: RE: Medicaid
Are you limited to certain surgeons? If they don't have a list of approved surgeons, start doing your research and find a surgeon. Call their office and ask if the take Medicaid. If they don't, ask them for a referral. Once you find a surgeon, they will put the rest of the plan in place. Good luck!

HW: 274 | SW: 232 | CW: 137 | Goal: 145 (ticker includes a 42 pound loss pre-op) | Height: 5'4"

M1: -24 (205) | M2: -14 (191) | M3: -11 (180) | M4: -7 (173) | M5: -7 (166) | M6: -8 (158) | M7: -11 (147) | M8: -2 (145) | M9: -3 (142) | M10: -2 (140) | M11: -4 (136) | M12: -2 (134) | M13: -0 (134) | M14: -3 (131) | M15: +4 (135) | M16: +2 (137)

katio72
on 1/9/13 2:10 pm - NV
Topic: RE: Medicaid

what state do you live in?  I'm also just starting the process of trying to get wls, I live in NV and have medicaid/amerigroup

katio72
on 1/9/13 2:06 pm - NV
Topic: NV Medicaid/amerigroup

Just starting process of trying to get wls, has anyone actually gotten approved and had surgery in Nevada?  I need any help I can get.

noftessa0401
on 1/9/13 2:41 am - San Diego, CA
RNY on 12/27/12
Topic: RE: UHC Help or advice Needed They say it is excluded in Oregon

Have you hooked up with a surgeon yet?  They usually have an insurance coordinator who knows all the ins and outs, and they will submit the paperwork to insurance for you.  Once this is done, if it is denied, it will be denied in writing - then you will know the reasons why, and you can appeal.

Alternatively, if you don't have a surgeon yet, I would gather all your letters from your doctors, your medical records showing your BMI for the last 2 years and that your weight is the cause of your diabetes and high blood pressure, and a letter from your PCP or other doctor stating that the surgery is medically necessary to treat your diabetes and high blood pressure.  Then, send it all in (make copies!) to your insurance company.  They will write back with either an approval or denial, which you can appeal if necessary.

Good luck!

HW: 274 | SW: 232 | CW: 137 | Goal: 145 (ticker includes a 42 pound loss pre-op) | Height: 5'4"

M1: -24 (205) | M2: -14 (191) | M3: -11 (180) | M4: -7 (173) | M5: -7 (166) | M6: -8 (158) | M7: -11 (147) | M8: -2 (145) | M9: -3 (142) | M10: -2 (140) | M11: -4 (136) | M12: -2 (134) | M13: -0 (134) | M14: -3 (131) | M15: +4 (135) | M16: +2 (137)

Dean66
on 1/8/13 3:03 pm - Clackamas, OR
Topic: UHC Help or advice Needed They say it is excluded in Oregon

Hello there, So today I started two additional medications and now up to 8. This is for blood pressure, diabetes and not sure what else they are trying to control except for these two things.

I have the support of my regular doctor. I went to see a cardiologist to make sure I was healthy enough for the surgery and that my heart was in good shape. This doctor is also a  true believe and feels I am an excellent candidate. We contacted OWLLS and were told that the insurance will not pay for it. I do have an exclusion for weight loss surgery. To get around this I was told to have everyone go in with angles of all the needs to be done to remedy what is wrong.

I have never gotten a letter from anyone saying NO. I only get this over the phone. How does a person get past the main people answering phones? Get someone to look at all the records?

 

Anyone in Oregon know any way to get around this or some advice?

Thank you,

Dean

 

Dean
laquita88
on 1/8/13 6:48 am - wilmington, DE
VSG on 05/29/13
oklahomafarmgal
on 1/8/13 2:32 am
Topic: RE: United Healthcare

I hit the 40 mark This past year. Keeping my fingers crossed.

noftessa0401
on 1/8/13 1:25 am - San Diego, CA
RNY on 12/27/12
Topic: RE: United Healthcare

I don't have any information, but I wanted you to know that I feel your worry.  Hopefully someone will have an answer for you.  When did you hit the 40 BMI?  I have heard insurance companies that have a written policy of 5 years 40+ BMI, but really will accept a 2-year history on appeal.  Good luck!!

HW: 274 | SW: 232 | CW: 137 | Goal: 145 (ticker includes a 42 pound loss pre-op) | Height: 5'4"

M1: -24 (205) | M2: -14 (191) | M3: -11 (180) | M4: -7 (173) | M5: -7 (166) | M6: -8 (158) | M7: -11 (147) | M8: -2 (145) | M9: -3 (142) | M10: -2 (140) | M11: -4 (136) | M12: -2 (134) | M13: -0 (134) | M14: -3 (131) | M15: +4 (135) | M16: +2 (137)

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