Getting Insurance To Approve Me!

[thamilton25 0]

Hey everyone. My insurance said they do not cover the lapband. How do I get them to approve it? Any tips on secrets or anything I can do?

Oh and I have BCBS of FL

[Jim1967 3,569]

Hey everyone. My insurance said they do not cover the lapband. How do I get them to approve it? Any tips on secrets or anything I can do?

Oh and I have BCBS of FL

I would begin by asking for their policy on bariatric surgery coverage in writing. Some insurance companies will flat out tell you it is not covered but in print it may indicate medical necessity needs to be shown. Most insurance companies want proof of past weight loss attempts.

Also, have you already been in contact with a surgeon? If so typically he/she would have someone working for them who is familiar with the inner workings of insurance companies and can be your strongest advocate.

[Weighty Wagey 0]

I agree with Jim 1967. You need to read your policy I had to fight my insurance as they denied, for no reason, on orginal submittal. I work in insurance (not health) and am VERY familiar with policy language and my right as an insured. So on my denial, I got my policy and then started making phone calls. In less than a week I had an approval and an apology (over the phone) from my insurance. As Jim stated, somone at your surgeons office can help with this too. You may be able to get help from your states dept of insurance as well. You can find their info online. However, I would start with your policy first.