I had my last appointment today so supposedly they will submit my surgery to insurance for approval tomorrow.
With my new UHC insurance they cover the surgery 100% after $250 deductable if you have a 5 year history of obesity AND a BMI of 35 or greater. I have met these requirements. I saw the surgeon for the first time 2/14/2011.
Someone mentioned to me that since I am so new on my insurance policy that it might be denied due to pre-existing condition. I looked in my insurance book and here is what is says " Expenses incurred as a result of an injury or illness for which medical advise , diagnosis,care, or treatment was recommended or received during the six-month period before the coverage effective date under the plan, will be considered a "pre-existing condition" and will not be covered under the plan during the first 12 months of coverage.
Since I did not seek treatment for the condition until 2/14/2011 and my policy started 1/31/2011 I do not think the pre-existing condition thing will apply to me. What do you think?? I am so anxious to find out as I just new this was going to happen but now that the pre-existing condition thing was brought to my attention I am FREAKING out with fear of being denied.