Recent Posts
Topic: RE: Horizon BCBS of NJ Approval/denial time
Well here we are at 30 days since the insurance admits they received my paperwork. I did my weekly call on Monday and had one of the rudest CSR's I have had so far.
She informed me that there was no need to continue to call as they will send me a letter when a decision has been made. She also told me that if any additional info they may need they would contact the surgeon. I told her I was nervous and had been waiting about a month for a decision and that I was just checking. She let me know that it was 30 business days and not 30 calendar days. WOW.... what customer service?
Anyway with tomorrow being 30 days since they received the paperwork I believe it should be escalated up to the next level. I am starting to get worried that there is something wrong. I played by their rules with the diet and got all of the info that they needed. The surgeons office told me last month that I had a good case and not to worry about it.. If this is the case whats taking to long...]
She informed me that there was no need to continue to call as they will send me a letter when a decision has been made. She also told me that if any additional info they may need they would contact the surgeon. I told her I was nervous and had been waiting about a month for a decision and that I was just checking. She let me know that it was 30 business days and not 30 calendar days. WOW.... what customer service?
Anyway with tomorrow being 30 days since they received the paperwork I believe it should be escalated up to the next level. I am starting to get worried that there is something wrong. I played by their rules with the diet and got all of the info that they needed. The surgeons office told me last month that I had a good case and not to worry about it.. If this is the case whats taking to long...]
Topic: RE: Found Awesome Financing- EASY Approval
Not sure how much you were financing. But I only asked for 3,000 which was my copay.
Topic: RE: Found Awesome Financing- EASY Approval
Totally understand we did everything not to file BK. I worked 2 jobs, and almost killed myself, none of the banks worked with me. Totally understand.
Ths is the only bank that approved me and I tried multiple locations.
Let them know I refferred you
Ths is the only bank that approved me and I tried multiple locations.
Let them know I refferred you
Topic: Cigna Changed Diet Policy
It is now just 3 months instead of 6. EXCITING! Effective 5/15/2012.
Topic: RE: Found Awesome Financing- EASY Approval
Wish me luck! I don't have a bankruptcy but I do have a foreclosure. Or, one in a never ending process of being foreclosed on for 3 years now.
It totally sucks. My husband lost his job back then and I was in college making diddley squat. I tried so hard to get Bank of America to work with me but NOTHING. I will carry this stigma for the rest of my life, it seems!
thanks for this post. I just applied.
It totally sucks. My husband lost his job back then and I was in college making diddley squat. I tried so hard to get Bank of America to work with me but NOTHING. I will carry this stigma for the rest of my life, it seems!
thanks for this post. I just applied.
Topic: RE: BCBS Tx & VSG
Knowing where he works it probably is excluded. :/ He hasn't called yet. Thanks for the info and heads up! :)
Topic: Found Awesome Financing- EASY Approval
I filed BK last year- and I got approved.
Noone else would touch me..
I had to share
http://firsthealthfunding.com/index.html
Noone else would touch me..
I had to share
http://firsthealthfunding.com/index.html
Topic: RE: employer NOT insurance co opted out to cover bariatric surgery
I admire your optimism! I am where you are now. I have been trying to have the sugery for 7 yrs and no luck with insurance coverage. I am going to file a claim on my own again and see what happens.. ive never appealed the deniel so I will go from there.
Dont let those ppl get you down! That is a skinny person views on WLS... odviously they have NEVER had a weight problem!
My insurance exclusion simply reads ...Surgical and non-sugical treatment of obesity.. nothing more. So I want to see if there is a loop hole in the policy.. I have a long fight on my hands. I have went as far as calling MDH employer and asking for a Rider, but they tell me they do not offer them? Which is a bunch of bull! They do not want to pay for it. all companys can chose what they want to cover and not cover.. its all cost.
I wish you luck in your journey!! Take Care :))
Dont let those ppl get you down! That is a skinny person views on WLS... odviously they have NEVER had a weight problem!
My insurance exclusion simply reads ...Surgical and non-sugical treatment of obesity.. nothing more. So I want to see if there is a loop hole in the policy.. I have a long fight on my hands. I have went as far as calling MDH employer and asking for a Rider, but they tell me they do not offer them? Which is a bunch of bull! They do not want to pay for it. all companys can chose what they want to cover and not cover.. its all cost.
I wish you luck in your journey!! Take Care :))
Topic: RE: Deeply depressed
Yes, I have to agree with the previous post. I am currently doing my 6 month "diet". It is not a succeed or fail "diet". I go, they weigh me in, they check my blood pressure, and then I listen to the nutritionist who talks to us (in a group setting) about a topic on nutrition. My last "diet" visit, she talked to us about how to read (and interpret) food labels. It was really very helpful. Last time, I had actually gained 4 pounds and the doctor did not say a word about it.
I firmly believe that the insurance companies make this requirement just to see who is willing to wait out the 6 months. A test of sorts.... if we stick with it then they think that we are more likely to stick with the lifestyle changes that we have to make after the surgery.
I firmly believe that the insurance companies make this requirement just to see who is willing to wait out the 6 months. A test of sorts.... if we stick with it then they think that we are more likely to stick with the lifestyle changes that we have to make after the surgery.
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My insurance will not pay for my excess skin that hang down to my knees
Hockeymom87 · 0 replies · 822 views
Hockeymom87 · 0 replies · 822 views
