Will insurance pay for anything, if they don't approve surgery?

[annanyc 33]

Does insurance typically cover aftercare if they don't approve the surgery?

I'm very close to the border in BMI for qualifying for the surgery, and while I've submitted my paperwork, I have a feeling (confirmed by the hospital staff) that my insurance is going to decline paying for the surgery. If they do pay for it, the paperwork is clear that they cover all follow-up care like fills, surgical readjustments, etc. While I do realize I need to discuss this with my insurance provider, I don't want to bring it up to them while they're actually considering my file.

So any general feedback here? It seems like insurance would at least have to cover necessary surgical adjustments, no? But maybe not fills? What are your experiences, and if you had to pay for fills, how much were they?

Also, did anyone have trouble finding a different doctor/hospital to administer the fills than performed the surgery? There's a good chance I'll move in the next year or so, and I'd like to make sure this is seamless.

Thanks in advance!

[Ivy Verde 68]

If your insurance has a "No Bariatric" stipulation, it generally means that nothing will be covered. You'd probably have to really read through your information to be positive, though.

[Terry Poperszky 2,784]

I just got a check for 309.00 on an 11K lap band procedure.