Changing Insurance Plans

[Chris10 4]

Hello,

So my companies insurance is in open enrollment right now. I have anthem blue cross through SISC II. I'm currently on a high deductible plan and would like to switch to the 100% coverage. I was recently approved for the gastric bypass but haven't had the surgery yet.

Will I have to reapply for my approval because I'm changing plans? Or will I still be approved because I'm still with the same insurance company?

Anyone have any experience with this? I'm going to call my insurance tomorrow once they open but just curious if anyone else has done this.

[sweetohiohoney 5]

Hello' date='

So my companies insurance is in open enrollment right now. I have anthem blue cross through SISC II. I'm currently on a high deductible plan and would like to switch to the 100% coverage. I was recently approved for the gastric bypass but haven't had the surgery yet.

Will I have to reapply for my approval because I'm changing plans? Or will I still be approved because I'm still with the same insurance company?

Anyone have any experience with this? I'm going to call my insurance tomorrow once they open but just curious if anyone else has done this.[/quote']

My experience was similar but slightly different. I have Medical Mutual of Ohio. I started the whole process in October 2012. My insurance at that time would have covered the surgery at 100 percent. The company that I work for was bought out by another so when open enrollment began for 2013 I was on pins and needles. I didn't want all of the effort that I had put in to be a waste of time and money. The new plan has higher premiums, all plans have deductibles and out of pocket maximums all of which we'd never had before. Fortunately they offered plans with the same insurance company. I called the insurance company on January 2nd when the new plan began to ask if they would still cover the surgery and what the pre op requirements were. The insurance company's requirements were the same! They required 3 months of supervised weight management and approval from my family doctor. The bariatric program/surgeon however had their own requirements. I completed the majority of those steps before the end of last year before the insurance change. I paid for the weight management classes out of pocket. They submitted my paperwork to my insurance about 2 weeks before I completed the classes. I was approved is a little less than 2 weeks at the end of april. I was scheduled for my pre op appointment almost immediately after my approval. I had surgery on June 5th. I have yet to receive an medical bills. I believe that my out of pocket maximum is about $3250.00. Though it's more that I want to pay it is the best investment I've made to date. I wish you the very best. I hope that everything goes as smoothly for you as it did for me.