Submitted to cigna today.

[B.J. 16]

Im excited but im a bag of nerves right now. I really hope I get a speedy approval....

[rlm34 42]

Fingers crossed for you! I'm waiting for approval too. Best of luck

[B.J. 16]

Fingers crossed for you! I'm waiting for approval too. Best of luck

Thank you! How long have you been waiting?

[ShineBright724 70]

Good luck to you both! It's the worst part, the waiting!

[rlm34 42]

Thank you! How long have you been waiting?

Not long. Only submitted application 2 days ago. Found out today they have received my application and that I'll have my decision in 5 working days. There is a high chance I'll be declined as my application had to be under the "other comorbidity" criteria so Im very nervous.

[B.J. 16]

Not long. Only submitted application 2 days ago. Found out today they have received my application and that I'll have my decision in 5 working days. There is a high chance I'll be declined as my application had to be under the "other comorbidity" criteria so Im very nervous.

Don't say that. We have to be hopeful. Lol

[rlm34 42]

whoa! Just got phonecall from insurance company. I've been declined. Im disappointed but my bank has already pre-approved a personal loan to self pay the entire $21000.

Now to consider if I can take on that kind of debt.

[B.J. 16]

whoa! Just got phonecall from insurance company. I've been declined. Im disappointed but my bank has already pre-approved a personal loan to self pay the entire 21000. Now to consider if I can take on that kind of debt.

That sucks. You aren't going to appeal?

[bb00024 21]

That sucks. You aren't going to appeal?

I was denied and then denied again with my appeal and then the surgeon scheduled something called a "peer-to-peer" review. That seemed to do the trick.

Apparently, this peer-to-peer review is my doctor scheduling a phone call with an actual doctor from the insurance and my doctor explaining all the problems using medical terminology, I was having with my lap-band and that I now have a hernia, which could cause bigger issues. It worked and I was approved.

It wasn't a quick process by any means, but it worked. Between each of the appeals and the doctor review the insurance has 30-days to respond.(Response time could be different based on ins. company rules.) My whole process was 8-mths long, but I started with one doctors office and changed due to his horrendous staff and poor bed-side manner, so the process started over.

Good luck!!! I had surgery 09/16th and I am soooooo excited.

[rlm34 42]

That sucks. You aren't going to appeal?

There is no option to appeal here ( they told me I could lay a complaint or object. .but that surgery will not be approved unless my health or weight get drastically worse).

[bb00024 21]

Im in New Zealand and there is no option to appeal ( they told me I could lay a complaint or object. .but that surgery will not be approved unless my health or weight get drastically worse).

Sorry, to hear that appealing is not an option.

[rlm34 42]

Sorry' date=' to hear that appealing is not an option.[/quote']

Thanks. I was prepared for that response so I'm taking the news well. Just means plan B gets underway now :-)

[B.J. 16]

I feel like the most impatient person in the world right now. Lol

[rlm34 42]

I feel like the most impatient person in the world right now. Lol

I hope they get onto it quickly for you. I bet each day feels like a week! An answer will soon come and I wish you all the very best for approval!

I got in touch with my surgeon yesterday and told him I'll self pay. He's referred me to the nutritionist and says I'll have my appt with her next week. Things moving fast now. I should have a surgery date confirmed within 2 weeks!

[B.J. 16]

I hope they get onto it quickly for you. I bet each day feels like a week! An answer will soon come and I wish you all the very best for approval! I got in touch with my surgeon yesterday and told him I'll self pay. He's referred me to the nutritionist and says I'll have my appt with her next week. Things moving fast now. I should have a surgery date confirmed within 2 weeks!

Good luck to you! Please keep us posted.