My paperwork should be submitted to my insurance company either tomorrow or Tuesday and I am feeling kind of discouraged because of the patient advocate at my surgeon's office.
My insurance (UHC Choice Plus) requires a BMI of 40, and weight history for the last five years, and if you don't have the 40 BMI, you have to have 35 plus two comorbidities. At my initial consult I had a BMI of 40.5 and over the last five years I don't have a 40 BMI but it has definitely been over 35. Fortunately I don't have any health problems but I know if I keep down this road I will definitely develop problems.
Anyway, the woman at my surgeon's office keeps telling me that my insurance is probably going to deny it, and is always asking me if I still want to submit my paperwork. I've heard that UHC is one of the easier insurance companies to get approval from, and I think I have a pretty good chance. Besides that, I have already spend quite a bit of money on co-pays for the surgery requirements so I want to follow through.
Is she just trying to get me to not get my hopes up or what? She has been so bad that at a couple of points during the last couple of weeks I was ready to just say "Screw it! I will just join Weight Watchers again...." Is what she is doing normal?
Thanks for your input!