Insurance

[KristenC 13]

Right now I am covered under my husbands Cigna insurance. I have to do the 6 months with the nutritionist. My surgery date asof now is May 11, 2011.

My job has open enrollment in January for some kind of Horizon BCBS insurance. If I take this insurance I will have 2 insurances.

How would this affect me getting approved? Would they just go by the primary insurance? If they didn't cover the whole thing would the secondary pick it up?

Just wondering if it is worth taking Horizon BCBS. I'm thinking I could get approved sooner.

[HeatherinCA 10]

Right now I am covered under my husbands Cigna insurance. I have to do the 6 months with the nutritionist. My surgery date asof now is May 11, 2011.

My job has open enrollment in January for some kind of Horizon BCBS insurance. If I take this insurance I will have 2 insurances.

How would this affect me getting approved? Would they just go by the primary insurance? If they didn't cover the whole thing would the secondary pick it up?

Just wondering if it is worth taking Horizon BCBS. I'm thinking I could get approved sooner.

Is the new one a PPO? I just signed up for a PPO and immediately was approved. If it's an HMO probably have the same 6 month deal. They REALLY don't wanna pay for it, I assume, and most people won't make it through 6 months of diet.

Can't you cancel you on your husbands plan?

[nallygirl 4]

Hi Kristen! I also have Cigna and had to do the 6 months of diet and nutrition classes. At first I was so bummed about it but now that I have one month left I'm almost greatful for that time to prepare, research and fully understand what this process entails. Surprisingly the time has flown by! As for having secondary insurance I'm not too sure how that works but I'm sure your surgeons office handles questions like this all the time. You should give them a call and see what information they can provide for you. You may also want to call BCBS to find out what their requirements are before signing up. Hope this helps and good luck!!

[KristenC 13]

I'm going to call the surgeon's office on Monday and see what they say. I'm probably better off staying with Cigna.

Thanks

[Cocoabean 430]

Often the plan brochures will discuss co-insurances and how it all works. You can usually find them online.

Not sure it would speed up the process. Generally one insurance will be primary, I believe that one would dictate the speed of approval. I could be wrong, though.

Your knowledge can help other members once you get it figured out!

[txsnow 0]

I too have cigna had to do the 6month nutrition appts as well my paperwork was submitted 10/19 and I just got the approval last wed 12/8 just so you all know Cigna takes forever but in the end they came through.. my surgery date is 1/10/11 and I began the process in april of 2009 stay positive and don't give up!! best of luck to all of you!!