Help

This is my first post on this forum but have been reading it all summer.  My insurance company turned down the surgery and so yesterday my doctor had a "peer to peer" meeting with another Dr. at the insurance company. They upheld the decision. I'm not at 40bmi, but I'm at 37.9 bmi with 5 co morbidities. They say my policy states I need to have been at 40 bmi for 5 years and they won't consider "any" co-morbidities.  The insurance person at my surgeon's office said I need to appeal it and that I need to get letters from all my doctors that have treated me for all my symptoms stating that I'm their patient and being treated for the co-morbidities. I'm wondering if anyone else has had this problem with the insur. company and is it even worth it to appeal it if I haven't been at 40 bmi for 5 years. I'm at my wit's end not knowing what I should do. Help!!

(((Hugs)))

 I just wanted to tell you how sorry I am that you are having such a hard time with the process. I wish this could be easier for you. All I can say is dig in and appeal, appeal, appeal. Insurance companies can make exceptions and I hope you will be one of them. Good luck on your journey!                     -Julie

I just went through this with my insurance company, but my clinic put the appeal through and the insurance company went with it.

thank you for the encouragement! I've been on the phone requesting letters and records from my doctors. I hope and pray that it will be enough for the appeal.

I also had to go to my regular doctor and get everything for the last 2 years.  I had no problem with them.

Thanks Roxy_52, I have contacted my regular Dr. for a letter and my records for the last 5-10 years.  I can't believe how time consuming this is. Calling, leaving messages, waiting for them to call back, etc... I can see this is going to be a long drawn out ordeal. BUT , I think my health and well being is worth it!