Hi there..
I'm having troubles...I need to vent.
I went to Dr. Mailapur's seminar, and he really, really loves gastric bypass. He doesn't believe the band is effective. In fact, He didn't even do the band until fairly recently. Regardless, I made an appointment with him, because I've heard he is an excellent surgeon. I just couldn't in good conscience go to him though, because he didn't believe in "my dream". I've heard without a doc familiar in fills, you can fail, and I just can't fail this....again. He only charge that Tricare didn't cover was a $175 office visit.
Dr. Mailapur had an insurance specialist speak at his seminar for maybe 20 mins on what each insurance company requires. Mine requires 100 lbs over ideal weight with one co-morbidity, or 200% over ideal weight with no comorbidities.
So, the only other person Tricare covered was Dr. Foreman. So I went to him. He has 600-800 dollars worth of things my insurance won't cover, and I have excellent insurance. I decided to pay these things in good faith, and figured in the long run, it would help me. I think it was $200 for his insurance specialist and "metobolism testing", $200 dollars for body fat analysis, $200 dollars for an office visit. There are other things after the surgery, but this is what I have had thus far. So I've done all of this, and paid all of these things.
I saw Dr. Foreman, and asked if I qualify, and he said he could have no way of knowing this. He has only had one Tricare patient prior to me. I asked if a sleep study would help, if I needed a comorbidity, he said, it couldn't hurt. He just submits the paperwork, and I get approved or denied. He also much prefers bypass, btw.
So...I did the sleep study, got the comorbidity of sleep apnea, got the cpap. I called his "insurance specialist" to see if sleep apnea was a comorbidity, if I was 100 lbs over, or 200%. She has no clue. I have left her so many messages, I can not get a call back, so finally I went in and requested her. I had printed out Tricare's policy, and the metlife scales that they use. She said "thanks" I'll take this, I need to know this.
So they submitted the paperwork, I was DENIED. I know I qualify according to Tricare's standard. Forman's office is just so stupid on insurance matters. They don't know why I was denied, or what I need to do or change....nothing.
So, because I felt I qualify, they sent an appeal, with I think the same information.
Tricare says that it's all on the doc, and the doc knows why I was denied.
This has been going on since June.
I'm starting to get so discouraged.