Recent Posts

Jodi_wantstoliveagain
65

on 9/5/12 1:45 pm - Onancock, VA
Topic: Insurance
Post Date: 9/5/12 1:38 pm
Hi All! My name is Jodi I am morbidly obese and have a letter stating surgery is life threatening and is a medical nessesity. I have Anthem HealthKeepers With NO Rider/ Exclusion. It states
OBESITY: Services and supplies related to weight loss of dietary control, including complications that directly result from such surgeries and / or procedures. This includes weight loss reduction therapies / activities, even if there is a related medical problem.  Notwithstanding provisions of other exclusions involving cosmedic surgery to the contrary, services tendered to improve appearence (such as abdominoplasties, panniculectomies, and lipectomies), are not covered services even though the services may be required to correct deformity after a previous therapeutic process involving Gastric Bypass Surgery.

I have sleep apnea
High Blood pressure
Stents in my heart
uncontrolabl diabetes
edema
depression
p.a.d
Sciatica
dyspnea
very high cholestrol
BMI is 51
and a few more issues


My question is does anyone understand this policy and can i get my insurance comp. to pay for my surgery? PLEASE help me. I want to live... Thank you so much in advance
12Rowrena
on 9/5/12 5:36 am - Reinbeck, IA
Topic: RE: Anyone from Iowa with UnitedHealthCare and fighting
I am telling you now that they told me the same thing but as I talking with  Dr. Glas****'s Insurance ClerK, Kim, she can tell you how to get around it and have your surgery closer to home where it should be done.  I had my surgery at Satori with Dr. Glas**** and she got it approved.  So if you are still interested in having somewhere closer to your home it can be done.  Call Dr. Glas****'s office and ask for Kim and she will explain to you what needs to be done to get you approved to have it done somewhere that is not a provider.  I don't know what type of surgery you are wanting but you can go to their page and take a look at what they do http://www.wheatoniowa.org/programs-services/weight-loss-sur gery/about/default.aspx

I had a more involved surgery as I had a previous VBG done in 1999 so I had a revision from a VBG to an RNY and I had many medical problems and my surgery was tough and lasted close to 5 hours give or take a fewe minutes from what I am told.  I was in the hospital 10 days and back to the ER twice with another admision for acute renal failure which means I got very dehydrated because my feeding tube plugged up for the second time.  I hope you all the luck in the world but if I had to do it over again I woldn't have changed a thing.  I still have my feeding tube in till 9-11-12, at my next appointment and then I will be worried about getting in the liquid and protein after that.  I have found a couple items I should never have eaten and will never eat again.  I have different forms of the dumping symdrome depending on what I've done wrong and I'm learned fast as it is no fun. 

Good Luck!

Rowrena Tichy

Walter Lindstrom
on 9/4/12 8:58 pm - Chula Vista, CA
Topic: RE: BCBS FL State changed policy!!!!!
www.obesityhelp.com/forums/amos/4562150/Blue-Cross-Blue-Shie ld-of-Florida/

I posted on this a couple weeks ago - I sure wish you had seen it or known about it sooner but hopefully that delay didn't really impact your approval.  Good luck!
(deactivated member)
on 9/3/12 9:39 pm - Lawrenceville, GA
VSG on 12/15/12 with
Topic: RE: BCBS FL State changed policy!!!!!
Now that is some good news! Thanks for sharing.
(deactivated member)
on 9/3/12 9:37 pm - Lawrenceville, GA
VSG on 12/15/12 with
Topic: RE: Self Pay
I've changed companies since I've started this journey and neither covered this insurance. I personally think its sad. I even started looking into companies that did cover it and considered changing jobs again which was nuts.

I've never done the loan thing with a family member or for myself. I knew I needed the surgery. I just didn't want to be paying back a loan plus interest. But I know there are companies like carecredit.com that doesn't require a co-signer. They are very flexible on the credit score.
montana28
on 9/3/12 7:13 pm - FL
Topic: BCBS FL State changed policy!!!!!
BCBS FL State has changed the policy!! They REMOVED the time requirement for prior weightloss trials. It is no longer six months!!  Joy!
Jules
Lfrost77
on 8/30/12 11:02 am - Waterloo, IA
Topic: RE: Anyone from Iowa with UnitedHealthCare and fighting
 I actually just got off of the phone with United Healthcare and I also have Deere Premier for my coverage. They will not cover Sartori hospital but they do provide coverage as long as it is in network or at university of Iowa. The closest doctor I found to this area is in Fort Dodge and Mason City. I called his office and have my first appointment in 2 weeks! Hopefully you ave gotten some answers by now but I thought this might help!
seattle93
on 8/25/12 9:57 pm
Topic: Insurance Question*HELP
 I'm in the finally stages of meeting my requirments for my insurance company so I can have the Lap-Band surgery performed. The question I have is insurance will only cover 50% and I know that is great being that some people have no coverage but can I request that they cover more? Can I give them a Letter of Necessity from a family doctor? Any advice is grealty appreciated.

Thanks
Carmelita
on 8/24/12 5:29 pm - Four Corners, NM
Topic: RE: Need some assistance with my appeal...please!!
So ya self paid for VSG..oh well at least your on the road to RECOVERY from obesity! ..I was looking up some ins. info that a gal PMd me about today...and found Amerigroup NV handbook...I'll put the link here anyway....in case someone does an OH search and needs it. 

AMERIGROUP NV

Pg 28 & 29

I don't see anything requiring a  3 year medically supervised diet.  

They do cover bariatric surgery....which appears to include VSG
since VSG has been legit with its own billable CPT code 43775 since Jan. 2010 ...no longer considered experimental/investigational + MEDICARE approved VSG June 27, 2012
Heather H.
on 8/23/12 6:47 am - Orlando, FL
Topic: 5 Year medical records with BCBS IL - have a question
Hello, new OH member here. I finally feel I am ready to start the process of weight loss surgery and had gone to a local meeting here at the hospital where I live in Florida with my husband, they had me give them my insurance information and sign some papers, I got a call a few days ago that they had contacted my insurance about all of my costs and what I need to do before I send out the request for surgery.

The secretary over the phone mentioned a letter from my PCP, nutritionist, psych evaluation, and medical records as the requirements. I have Blue Cross Blue Shield of Illinois PPO. My question is about the medical records she mentioned, when I contacted the person who handles all of my employer health insurance stuff just to make sure that the company covered the surgery and when they told me they did and they broke down the costs for me they were on par with what the secretary from the surgeon told me. When they told me about the requirements they did not (forgot I guess?)  mention the 5 year medical records from my doctors that includes height, weight, and co-morbid conditions.

I have five years of records of being obese that is not a problem, my problem is back in 07-08 I was not considered morbidly obese, my BMI was 36 with no sleep apnea at the time or hypertension or anything just GERD. I see alot of people on here when I did a search saying they needed records for five years of being morbidly obese (I have not seen any from my insurance company though) so I am wondering if I would still qualify with a bmi of 36 from five years ago? I didn't reach a bmi of over 40 until I was halfway through my pregnancy in 2009 and after that the weight never came off and I kept gaining.

I hope this will not be a problem to where I will have to wait 2 more years being as miserable as I am now, anyone who has gone through BCBS IL who could shed some light on this would be greatly appreciated as I don't feel like trying to get through on the phone with my company again, it was a looooong que to get a real person to talk to. By the way this is for the RNY Bypass as none of the doctors anywhere remotely close to me will do the DS (my bmi is 51).

Thank you for your time!
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