Hello,
I am new to this whole process, and I need some advice or insight into the whole insurance thing. My pcp recommended I look into surgical options because I have struggled for so long with my weight. I cannot afford to have surgery if my insurance does not cover it, so I called right away. I was told it was covered, with an in network dr, with prior authorization. I was pleased, but unsure about what the requirements were. I went to the informational seminar yesterday, and was given the packet of info including all of the questions to ask insurance. I called and talked to another rep who verified what the previous rep had told me. I went on to ask if a medically supervised diet was required, and she said she was looking that up. She comes back, and tells me that Bariatric surgery or any weight loss related services are not covered. Wth?! I am so confused, and don't know if that means they are trying to discourage people from trying to get surgery so they don't have to approve it or will it not be approved no matter what? Why would two people tell me it was, in such detail? They both even told me about deductibles and out of pocket costs. I am so disappointed and don't know where to go from here.
Thank you in advance for any advice!????
