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ccarter8219

LAP-BAND Patients
  • Content Count

    96
  • Joined

  • Last visited

About ccarter8219

  • Rank
    Banded 06/09/08
  • Birthday 09/03/1970

About Me

  • Occupation
    RN - Clinical Utilization Management Trainer
  • City
    Lanett
  • State
    Alabama
  • Zip Code
    33863
  1. Happy 42nd Birthday ccarter8219!

  2. 3 years has passed since you registered at LapBandTalk! Happy 3rd Anniversary ccarter8219!

  3. Hey Long! I have lost 76 pounds since my banding on June 9th, 2008. I hope all is well with you. Crystal
  4. ccarter8219

    Need help understanding insurance coverage

    Go to the following link: www.unitedhealthcareonline.com then choose: tools & resources - Policies & Procedures. Then choose: Medical Policies ( on right side of screen under Policies) then read & agree with their terms and conditions. then choose: Bariatric surgery. This should give you all the info you need. Coverage Rationale Gastric bypass (Roux-en-Y; gastrojejunal anastomosis), vertical banded gastroplasty (gastric banding; gastric stapling), adjustable gastric banding (laparoscopic adjustable silicone gastric banding), biliopancreatic bypass (Scopinaro procedure), biliopancreatic diversion with duodenal switch, and laparoscopic bariatric surgery are proven in adults for the treatment of clinically severe obesity as defined by the National Heart Lung and Blood Institute (NHLBI) who are: 1. Morbidly obese (BMI of 40 or greater) 2. Severely obese (BMI 35-39.9) with at least one of the following obesity related comorbidities Cardiovascular disease including stroke, myocardial infarction, stable or unstable angina pectoris, coronary artery bypass or other procedures Hyperlipidemia uncontrolled by pharmacotherapy Type 2 diabetes uncontrolled by pharmacotherapy Hypertension uncontrolled by pharmacotherapy Moderate to severe sleep apnea with a respiratory disturbance index (RDI) of 16 to 30 (moderate) or apnea-hypopnea index (AHI) >30 (severe) as documented through the completion of a laboratory based polysomnography. This is just a small amount of their information. If you live in maryland they have specific criteria just for them. You can e-mail me if you have any questions. my e-mail address is ccarter8219@live.com
  5. ccarter8219

    Need help understanding insurance coverage

    The requirements are not always posted in your certificate booklet. Call your insurance company and ask them to mail you a copy of the requirements. What insurance company do you have?
  6. ccarter8219

    On My Way!!

    Usually if the employer does not cover WLS there is usually no option for an appeal. As you know there are always an exception to any rule :smile2:. The exception to this rule would be that usually when a group is self insured through an insurance company. The employer can adjust the benefits as they want see fit as its their money. When a group is self insured, it usally means they are using their own company money but the insurance companies administers the benefits & pays the claim out of the employers money. Hope this helps, Crystal
  7. ccarter8219

    help

    I think what the poster is trying to say is that the hernia is causing a "lap band" sensation. That was what I understood. Is this correct? Crystal
  8. You may e-mail me at mike.carter8299@hotmail.com if you have other questions. Crystal

  9. • Evaluation by a multidisciplinary team within the previous 12 months which includes the following:

    1. an evaluation by a surgeon qualified to do bariatric surgery recommending surgical treatment

    2. a separate medical evaluation recommending bariatric surgery

    3. clearance for surgery by a mental health provider

    4. a nutritional evaluation by a physician or registered dietician

    hope this helps. Crystal

  10. cont'd

    Programs such as Weight Watchers?, Jenny Craig? and Optifast? are acceptable alternatives if done in conjunction with physician supervision and detailed documentation of participation is available for review. For individuals with long-standing, morbid obesity, participation in a program within the last five years is sufficient if reasonable attendance in the weight-management program over an extended period of time of at least six months can be demonstrated. However, physician-supervised programs consisting exclusively of pharmacological management are not sufficient to meet this requirement.

    Continued…see next post…Crystal

  11. cont'd

    1. Active participation within the last two years in one physician-supervised weight-management program for a minimum of six months without significant gaps. The weight-management program must include monthly documentation of ALL of the following components:

    weight

    current dietary program

    physical activity (e.g., exercise program)

    continued...see next post...crystal

  12. cont'd

    CIGNA covers Bariatric surgery using a covered procedure outlined below as medically necessary when ALL of the following criteria are met:

    • The individual is ≥ 18 years of age or has reached full expected skeletal growth AND has evidence of one of the following:

    1-BMI (Body Mass Index) ≥ 40 for at least the previous 24 months.

    2-BMI (Body Mass Index) 35–39.9 for at least the previous 24 months with at least one clinically significant comorbidity, including but not limited to, cardiovascular disease, Type 2 diabetes, hypertension, coronary artery disease, or pulmonary hypertension.

    Continued...see next post...Crystal

  13. Alisa, I am not sure what cigna's requirements are, but the standards are but I googled cigna and obesity requirements and this is what I found.

    Effective Date............................9/15/2008

    Coverage Policy

    Bariatric surgery is specifically excluded under many CIGNA benefit plans and may be governed by state and/or federal mandates. Please refer to the applicable benefit plan document to determine benefit availability and the terms and conditions of coverage.

    Unless excluded from the benefit plan, this service e is covered when the following medical necessity criteria are met.

    Continued...see next post...Crystal

  14. Did they give you an approval letter prior to the surgery? If they did, they should honor the approval letter. Crystal
  15. ccarter8219

    Anthem Blue Cross approved in 2 days!!!

    Is your provider participating in the BlueCross Network? If so they cannot balance bill you for the difference. They sign a contract with BlueCross/Anthem that they will accept what insurance pays. You should only be responsible for your deductible and any co-pay / co-insurance. Crystal (Nurse Reviewer for an insurance company)

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