I recently asked my primary care doc to see if we can get a panniculectomy approved by Anthem because of the under the belly button chafing issue, and that I think the extra skin is contributing to chronic back pain from degenerative disc disease. Also, I think I might have an abdominal hernia.
I had some non-elective skin surgery because of a bad injury, and the plastics doc I had was so great, I would like to deal with him again. My primary care doc agreed to refer me to him.
When I talked to his office, they said they do deal with insurance for non-elective procedures, but not for cosmetic procedures—and they consider a panniculectomy to be cosmetic even if it's for medical reasons.
What should I do here? I'd like to see if Anthem will approve the panniculectomy, let me go to my preferred plastics doc, and then reimburse me. Anyone have experience doing this? It sounds like a nightmare even trying and I'm not sure what my next step would be—but I really like this plastics doc.
Or should I just take my chances at another doc who will submit to insurance?