To Submit Now Or Wait Until Later? (Umr Ins)

[peachee213 67]

***This post was originally under Pre-Op, but I moved it here.***

Hi everyone! I'm on the fence about submitting everything to my insurance carrier. I have UMR (UHC) but and the requirements are physician visits 6 months or more within 3 years *the requirements do not state consecutive*, a bmi of 40 or higher or at least 35/38 with a comorbity.

My bmi is 43.4 with high blood pressure, pre-diabetic. I also have joint pain with all the extra weight. I have more than 6 months (not all consecutive). I don't know if I want to go ahead and apply now or just wait until I have all consecutive months to ensure all my bases are covered. I would have been done in July but I missed a month or two planning my out of town wedding. Now that everything is over. I will be finish with 6 consecutives in December and can resubmit then if denied.

Has any one had experience with UMR? I have co-workers who missed months but were still approved. I've confirmed through my surgeon, doctor, and website the the requirements dont say consecutive but when calling they give me the rigamaroo.

[TinyMamiOf3kids 1,280]

I track you down LMFAO. I'm doing really good. How are you doing?

[peachee213 67]

Lol! :-) I moved when I realized it was in the wrong place. I'm doing okay. Just anxious about getting to start over.

[TinyMamiOf3kids 1,280]

You will feel great once the weight starts melting.