BCBS of al 2013 policy guidelines

[Kygirlkeshia 11]

My bcbs of al just renewed on January 1st, I have contacted them and they cover 100% in a center for excellence facility with no deductible or co pays! My question is, do they have any rules as far as having a 6 month supervised diet or anything like that. I have not received my 2013 policy book yet and never thought to ask before. All they told me was cover 100% in center for excellence or 80% in network. I need prior approval and doctor will need to get a pre determination. Not sure what that means. Any info is appreciated!

[Michelle1977 27]

I have BCBS of Tx. It all depends on your policy. My policy does require company's and my out of pocket max to be met. So it isn't 100% but it isn't much. My policy does not require a 6 month supervised diet. You may want to call your insurance company and ask them the questions in regards to your policy. I do have to have pre authorization for the surgery and you have to meet specific BMI requirements.

[Kygirlkeshia 11]

Thank you!