Cigna PPO Approved today (out of network cost)

[On2Thin 0]

I was approved today by Cigna. I was able to show I had a BMI of between 35-40 for past couple years. But the real thing was having a 6 month history of going through a doctor supervised diet. There was no way around this. I had gone to a place called Medi Weight Loss (Phentermine is really the secret - they give you suppresents and a very low calorie diet - but once you stop taking the pills......you get your appetite back!)

So they will pay out of network costs (so roughly I will pay out of pocket about 50% of the fees).

Anyway - my general doctor was very supportive. She gave a letter to my surgeon's office that recommended me having the surgery. I had to follow all the paperwork to a "T" so hoping to be sleeved on September 1st (taking a trip to Italy for 2 weeks in August first!!)

[Cancel 1]

Great news!:thumbup1:

How long did it take to get your approval?

I am hoping to have my paperwork ready to go the first week of September. At least that's when I will be done with the six month diet.

[On2Thin 0]

It took less than two weeks. My doctors office said its actually better the longer it takes because that means they are really evaluating the paperwork instead of quickly rejecting. I too am trying to do it September 1st......

[BeautyisherGODgivenname 0]

I know cigna told me I would have to pay 20%. how much is the surgery?

[mythreechildren2001 7]

My plan has an out-of-pocket maximum of $1350, so that should be the most I have to pay right??

[mp8btpc 33]

My plan has an out-of-pocket maximum of $1350, so that should be the most I have to pay right??

If your out of network max is $1350, sometimes I think the out of network and in network OOP are different amounts.

I think...

[mythreechildren2001 7]

If your out of network max is $1350, sometimes I think the out of network and in network OOP are different amounts.

I think...

Yes you're right. My in-network is $1350, and out-of-network is $2700

[McKee 0]

I too have Cigna and my Bmi is right at 40, during the 6 month diet if I lose weight that puts me under 40 will they send me denial letter?

[MRSKOUBiK 27]

Good luck!!

I was denied at first because I didn't have ALL the paperwork they needed.

But, once I faxed that over on a Thursday the pre approved Friday, received REAL approval that Monday!

McKee... do you have any co-morbidities? They are STRICT. They may deny you