Question:
Does anyone have experience with United Healthcare Select Plus POS.

I can't afford to pay out of network expences. If anyone knows a way around this , please, please let me know. Thanks in advance.    — Sharon D. (posted on April 24, 2003)

April 23, 2003
UHC will approve unless your employer has an exclusion. If there isn't a network WLS surgeon within 50 miles of your location they will pay network benefits to him/her. Good Luck
   — Terri G.

April 23, 2003
Sharon, I have UHC Select Plus POS and was approved for WLS in a week. I went to Bariatric Treatment Center, which is out of everyone's network, and expected to pay my out-of-pocket maximum of $1500.00. However UHC negotiated my bill of about $40,000 down to $35,000 and I didn't have to pay anything. UHC was wonderful - HOWEVER, I'm in the middle of an appeal process now on reconstructive surgery. Don't know how that will go, but they were great on the wls.
   — scottiemaam O.

April 23, 2003
I have this insurance. I was approved in 9 weeks. My surgeons office said they are really good about approving but sometimes they are slow about getting it done. Just keep calling them. I did once a week every week until I was approved. They didn't request anything extra no extra testing or anything. I had very few tests for pre-op & none to be approved. I am grateful I had this insurance especially after some of the stories I've heard. They also paid very promptly after the surgery was done. Everything is completely taken care of & it's only been 3 months. I only paid just under $500 out of pockect. I hope this helps.
   — Paula G.

April 23, 2003
I also have UHC Select Plus POS and was approved last Friday for surgery. My request was sent to them on 4/4/03 and I was approved 4/18/03 and my surgery is 5/6/03. I have to admit that I called the Care Coordination department everyday. Finally on 4/17/03, I spoke with a nice customer service representative and told her when my request was sent in and she said she would put a priority on it for me, I was approved the next day. If I were you, I would call the 800 on the back of your ins. card and ask them for the # for your care coordination dept. and call them and talk to them about your concerns and what you will have to pay for everything. My total out of pocket is $750.00, which I am already up to about $300, so the surgery should only cost me around $450.00 (quite a bargain, I must say). Good luck.
   — Dawn P.

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