Carrie_C
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Posts posted by Carrie_C
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Hi everyone. I just got all of my paperwork sent in to the insurance company today and I am hoping for approval. I have heard horror stories about having to appeal a million times, and I am hoping I don't have to. I am 30 years old and I live in Tennessee. I have been overweight for about 12 years and I have tried every diet there is, and I refuse to go on another diet!! I am excited about the surgery (if it gets approved) but I am also a little scared. I am worried about how I will feel right after the surgery. I don't want to be sick, and I am not looking forward to the liquid diet. But I think in the end it will be worth it.
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$600??! WOW! I thought $95 was high! Cigna wouldn't pay anything for the evals for me either, but I am glad they covered some of the surgical consult or it would have cost me over $300. asherje, good luck with your financing. Unfortunately that's not an option for me because I filed Chapter 13 a few years back, and I can't get any credit for anything. So if Cigna doesn't pay, I am just out of luck. I had my psych eval today and I am sending in everything to Cigna tomorrow, so wish me luck!
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Wow, how did you get approved so fast?! That's great! The insurance cooridinator at the surgeons office said that it could take up to a month to hear back. I hope it doesn't take that long. That's great that they reimbursed you. Cigna did pay for some of the surgical consult, but I still had to pay $105. They haven't paid for the nutrition or psyc eval, I have had to pay $95 for those. And the insurance cooridinator told me that if my surgery is approved, I will have to pay $1000 one week before the surgery for some kind of "program fee". Sounds like a rip off to me, but I think it will be worth it in the end. Besides, I have spent a lot more than that on fad diets, which didn't work!
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Hi everyone. I am in the process of getting the Lap Band approved through Cigna. I went for a surgical consult a few weeks ago. They told me that Cigna requires a 6 month physician supervised diet, I had done that already last year. They also told me that they require a letter of medical neccessity from my PCP, I have got that as well. I also have to attend a nutrition and psych evaluation. I have done the nutrition already and I go for the psych eval tomorrow. I am 30 years old, 5'6 and weigh 255 pounds. My BMI is 41. I also have diabetes as well as hypertension. I was just wondering how long it takes for Cigna to approve the surgery and if I am denied, how many times can I appeal? All of this insurance business is very confusing to me. I have already paid quite a bit for the consult and all the evaluations. If they deny me, I will be out all that money!
Second Thoughts
in PRE-Operation Weight Loss Surgery Q&A
Posted
Hi, I can understand how you feel. I think you are brave for even telling anyone you were going for the consult. I am waiting on insurance approval, and no one even knows I am trying to have it done except my husband. Even when if it gets approved, I don't know that I will tell anyone else about it except my mother. I just don't want to deal with everyone else's feelings about it, I have enough trouble with my own feelings. I am 5'7 and weigh 255, and like you, no one believes I weigh as much as I do. I can hide it well too. I say you should go ahead and do it for you. Don't worry about everyone else, you are the one who has to live with yourself. That's how I try to look at it.