CAP on Insurance benifits

[Cmoore254 6]

Don't know if I should be jumping up and down with joy or crying. Just received a call from my Insurance company, they approved my sleeve. BUT, there is a $5,000 limit on my policy. Called my patient coordinator and she is going to have to research and get back to me. Freaking out just alot right now. Six month of pre-op workup, and $3,000 already invested. Just wondering if anyone else has similar experience?

Edited August 5, 2014 by Cmoore254

[Lucrezia Borgia 35]

Don't know if I should be jumping up and down with joy or crying. Just received a call from my Insurance company, they approved my sleeve. BUT, there is a $5,000 limit on my policy. Called my patient coordinator and she is going to have to research and get back to me. Freaking out just alot right now. Six month of pre-op workup, and $3,000 already invested. Just wondering if anyone else has similar experience?

Not positive, but I believe the new healthcare law bans ins companies from putting a cap on coverage as of Jan 1, 2014. I don't think they're legally allowed to do that any more. You should probably call them and ask to speak to a mgr or supervisor for a written explanation (or have your surgeon's office speak to them).