Hello! A bit about me, I'm 22, I have been overweight ever since I gained consciousness. (you know how its like you wake up one day and you're 14.) So about as far as I can remember, and according to pictures, even farther back, have i been obese. I'm 5"9. and 290lbs. I have PCOS in the worst way, and my doctor said that the testosterone cells are produced by fat, which I have a large quantity of.
My insurance provider is FEPblue and from what I have read, as well as talked to the insurance company on the phone, it has wonderful coverage. I'm kind of terrified of my insurance coordinator, only because she seems very matter-of-fact and stressed out because she has a very hard job, and this whole matter is extremely sensitive and close to my heart and I find it scary to approach her and ask her things. So she gave me a sheet for a 3 month consecutive and 90 day doctor check in. But I had some out of town matters I had to attend to, so I got three dr visits in 90 days, but not consecutive months. I called my insurance and the lady said consecutive was not required. So I'm afraid that even though my insurance does not require it, my insurance coordinator will try to make me start all over and re-do the whole process because she doesn't want the insurance company to have any room to deny me. Also, my pcp..I like him, but deep down, part of me thinks he might not provide the accurate information to push this surgery along. I looked at the notes he has written online and he has brought up some things from when I was a minor that are troubling me. I don't know if he exactly wants me to have the surgery and I'm afraid he won't say the right things in order for the insurance to approve me. I don't know. I feel stressed out, and I'm losing sleep. and on top of all that, the financial part is stressing me as well because if I have the surgery by the end of this year, the insurance company will cover most of it because the deductible has already been met, but if I have the surgery in January then more out of pocket payment for me. Typing all this out has already made me feel better. But is there anyone who can offer some kind words of advice?
i appreciate you taking the time to read this!