Thanks for the reply,  well i know for sure i did not see the NUT 4 times on my 3 month MD diet. they scheduled everything for me and so i figured when i was done with their appointments i would be ok.  well i guess the NUT missed one appointment so i saw her august 27, sept 28, october 28th and  Nov 3rd.  at this point im sure im going to get denied, but i wanted to give it a try and see if tere would be any possibility for me to keep my surgery date of Nov 21st being that my mom already has the week off.

I've now been at my employer for a year which means in January my medical benefits will start. I am enrolling in a Cigna plan which my employers policy states that weight loss surgery is excluded unless deemed medically necessary with a BMI of over 40 (which I have), 6 months of an approved nonsurgical weight loss program, two years of medically documented obesity (my doctor has my pregnancy records from 2 years ago for my 20 month old son where my weight was obviously obese) and some other kind of unspecifed criteria determined by the plan administrator (no clue what that means).

What is a 6 month approved non surgical weight loss program that Cigna will approve?  If you lose any weight during that time do they deny you?  Reading on here it sounds like they do everything they can to deny you.  I am just scared right now. I've done everything I can to lose weight and I'm at the beginning of researching surgery and it is overwhelming

I've read some pretty negative things about Cigna here but the only other plan my employer offers is a Aetna plan that flat out excludes surgery with no medical exceptions

So i started my journey in august of this year, I did everything required and had my surgery date set for nov 21st, went to my pre op, got all my test done, and just when i think this nightmare is over and the office submited fir approval...,.......

I recieve a call from my doctors office telling me the visits with my Nut were too close together and they dont think they are gonna approve it unless i reschedule my surgery a week or 2 and do another visit. Well my mom is a flight attendant and for her to get that week off was hell, so i took the chance and told the office to submit and see what happens. If worst comes il just have to rechedule and have a lonely recovery.  This sucks what can i do ??? is there a re sumbit timeframe for the paperwork if i get denied ??? will it be harder to get approved if i get denied??>> im really hoping the agent covering my claim is an idiot and doesnt notice  lol . HELP!!!!!!

 Hi everyone,

It's been a long time since I posted in here, I gave up on my journey for a few years, but am finally working at an employer that provieds coverage for bariatic surgery! I have Aetna and it has a $15,000 lifetime maximum for bariatric surgery. I'm thinking lap band since that seems to be less expensive than Roux-en-Y and I don't have the money to cover the difference. 

I've been looking around on here, and online, and I see so many varaitions of cost for the lap band. Do you think the $15,000 would be enough? From what I am reading it seems pretty easy to get approved, I will just probably have to do the 6 month diet with my doctor but I'm fine with doing that. 

thanks in advance!

There are several people on here who have posted about their denials and how they appealed. Even so far as to post their appeal letters that won them their approval. Check for them in the search bar.  I am just sorry you are going thru it, and I will be praying for encouragment for you!! Good luck and keep us posted. GOD BLESS!!