I currenlty have Humana ins but will be moving to Cigna as of Jan 1st 2012. My company is no longer offereing Humana going forward. I decided to have WLS after a visit to my PCP when she suggested I look into it after discussing my weight.
To give full disclosure, I haven't been to a doctor in quite sometime (probably close to 10 years), I just don't go. Other than my weight I'm fairly healthy. My first visit to my PCP early Aug I asked her to run a full blood panel and do a full work up on me since I haven't been to the dr in a long time. At that first visit my blood pressure was a little high so she put me a low dose blood pressure medicine. When I came in on my second visit to review my blood work, chest xray, sonogram, everything was good. Cholestrol good, sugar level good, thyroid good, liver function good, ovaries look good, heart looks good, and lungs look good and the only comorbidity I have is lower back pain. So all in all I'm pretty healthy with a little bit of high blood pressure and lower back pain.
Also In my second visit to my PCP I disucssed my weight, I'm 5'4", 320lbs, 56 BMI and I'm 40. I'm single, never had children and been overweight all my life. My PCP recommended I look in to WLS and gave me a few surgeons to check out. She documented that visit as the start of the physician assisted weight loss management program as she knew most insurances require 6 months. Based on her recommendation I checked out the one surgeon that she recommended that was covered by Humana and went to a seminar that he held on WLS and that's when I decided on the VSG procedure. I have since had two appointments with that surgeon's office (one actually seeing the surgeon) and essentially I just need to complete my 6 months weight management program, have a psych evaluation and get a letter recommending this surgery from my PCP and submit to Humana for approval in Jan 2012.
Just last week my work announced they revised the entire medical plan and the 2012 is completely different. It looks like Cigna will be the ins that I will have starting 2012. Since I won't be completing my 6 months weight plan this year I will have to qualify with Cigna's Bariatric guildlines and here is how they state their weight management programs: "Failure of medical management including evidence of active participation within the last two years in a weight-management program that is supervised either by a physician or a registered dietician for a minimum of six months without significant gaps."
So I shared all of that to say, what is considered failure of the physican assisted weight managment program? I'm concerned that if I show weight loss and given my current health history (I'm pretty healthy, i'm just fat) that they might deny the surgery in Jan when I have completed my 6 month program. I would like to make effort during this time to lose weight to help with the surgery (about 15 -20 lbs) but I'm really concerned that Cigna will deny me the surgery stating that I didn't fail in the 6 month weight managment program since I would have lost weight. I would think that my BMI alone would be enough for the surgery even if I lost some weight during this 6 month time frame. I just don't want to ruin my chances with the surgery.
Any advice would be helpful. :-)