Should I wait

[HopeThruFaith 30]

So today I had my first consult with my surgeon. (yay) I was given a ton of information plus all on my appointments for the pre-band testing. I am required to do a six month supervised diet per Cigna. It dawned on me today that with being only two months in that I won't finish my supervised diet until December. This means that I won't get banded until Jan when a new benefit year starts. If I go ahead and continue this process all of the money that I'm spending for the pre-band testing now won't be applied to the cost of

my Out of Pocket. So I am trying to decide if I should just wait on completing the process until next year? This totally sucked b/c I had wanted to be banded ASAP but I definitely want to be strategic about this financially speaking. The coordinator said that we could try but with the holidays and the office being closed and the surgeons are booked 6-8 weeks out doesn't sound to promising. Any

thoughts or suggestions?

[Grider 92]

They actually look at 180 done days,, so it be visit # 7 before paper work goes in. I am praying my insurance will not have any issues and approve me quickly, they have 30 days. BUT if something is missing, it could delay that, so add up the tiem frame and costs. I know with BCBS people who started on the 2010 plan, which was basically a letter from your DR- and fell into 2011 plan -had to follow the new rules, and that changed to the 6 mo deal. Sucks, I know- they should grandfather in the requirements, but they dont. BUT dont give up, delay does not mean denial.