Insurance changes

[transforming jlaroux 78]

Ok, here's the story.. I need to put my mind at rest, just a bit!

I work for a coutny agency, as a caseworker with individuals who have intellectual disabilities. Recently we found out the government was seeking to privatize us. This is all happening January 1,2012. For the most part, I am pretty okay with it all, even, dare I say, excited? However, this means an insurance change. I currently have Capital Blue Cross, which has paid for everything. The new company has Capital Blue Cross also, which I am enrolling into. This agency's insurance covers the band, if its medically necessary. I am trying very hard to lose 75 pounds by mid December. This will put my BMI at 37.9. My question is this.. Is it still "medically necessary" for me to get fills at that point, or am I going to be paying for them out of pocket? (which isn't horrible, they are about 115.00 for a fill). The insurance will pay for the doctor visit for sure.

I'm very near my sweet spot now, I have 8.5 cc in a 14cc band. I have a fill scheduled for Nov 25, if I need it. Should I go? I've lost 12 pounds since my last fill, and I don't even know if my doc is going to give me a fill because that was about 3 weeks ago! UGH so many questions about this health insurance stuff!

Has anyone run into this?

I'm not looking for insurance advice, just looking to hear if anyone has experienced this and what the outcome was, that's all.

[kaydin81 8]

I can definitely vouch for not getting a fill if you don't need one. I know you are anxious because your insurance is changing, I am too. And we are going to CIGNA......blaaah. My advice is this, save the $115 and put it in an envelope. Then, when you really are feeling like you need a fill, you already have the money saved. Whether insurance will pay for it or not :-)