Hello,
I've decided that I want Lap-Band. I've done all the research and have been to a seminar. I even have a support system in place - my cousin and I want to do this together. BUT, here's my issue, I called my insurance company (United Health Care) and asked about my coverage. I was told that they do not cover this for me. So it's been a few weeks and I decided to call them again to see if I could figure something out and the rep told me that I do not have coverage for this procedure. So I asked if there was anything that could be done and she (the rep) said that even with a letter of medical necessity they would deny it because I don't have that coverage. Her advice was to wait until open enrollment and pick a plan that does offer that coverage.
My question is this: should I follow her suggestion, or is there a way around the "you don't have this coverage" issue? My BMI is 45, so I'm well within the scope, but I have no co-morbidities. UHC spends very little on me yearly in medical fees, so I don't believe they would think it was a medical necessity.
Any advice?
