Discouraged

[JenniferMason77 0]

I wrote a letter to my insurance company...and basically all they told me was that they didnt cover the procedure :help: So now i bacially kinda stuck......I really dont know where to go from here...I havent been to a doctor yet....im really kind of embarassed I guess....I never ever really though people thought of me as being fat. But I know I am I cant oblviously lie to myself Im not really sure how to handle the insurance company either because I know im not going to get approved for a loan....Im pretty much lost.....if anyone has any thoughts prayers anything please write back........lost and discouraged

[chimboree26 24]

I wrote a letter to my insurance company...and basically all they told me was that they didnt cover the procedure :help: So now i bacially kinda stuck......I really dont know where to go from here...I havent been to a doctor yet....im really kind of embarassed I guess....I never ever really though people thought of me as being fat. But I know I am I cant oblviously lie to myself Im not really sure how to handle the insurance company either because I know im not going to get approved for a loan....Im pretty much lost.....if anyone has any thoughts prayers anything please write back........lost and discouraged

What insurance do you have? Do you have a copy of your benefits/coverage manual? I'm just asking b/c sometimes the insurance co reps don't know what they're talking about...

[JenniferMason77 0]

Blue cross blue shield of mississippi i might have a copy at work

[isabelle290 0]

You can call your insurance and they have to send you a copy at your request. Basically, it they exclude the proceedure, there is not much you can do but appeal. I had an exclusion, and got sick of fighting, so I am going to Mexico to have it done. Do you have a 401K or 403B? If you do, you can borrow the money from the account and pay it back. That is what I am doing. Don't give up on the insurance yet. Look into it and ask them to send you in writing a letter why they aren't going to cover you. That will give you grounds to start an appeal.

[chimboree26 24]

Unfortunately, I have to agree w/Isabelle. If they don't cover it, then you can try to appeal it, or self-pay.

Sorry!

[musicalmomma 1]

chimboree is right, MANY of the reps at the insurance company don't know what they're talking about! I ask my husbands benefits rep in HR if WLS was covered, she said "Yes, when medically necessary". So, I called the insurance company and asked if the surgeon I wanted was in their network, they said "he is, but we don't cover any weight loss treatment". I said, "look again, because I have it in writing from the HR benefits department that it IS covered!" She put me on hold, and came back and apologized because it IS covered. So, I'd contact your HR department and ask the benefits rep there, he/she will know if its an exclusion or inclusion in your policy. Keep your chin up! It's a lot of leg work, but anything worth having is worth working for.

[KIRBY 0]

Does anyone know if Century Health Solutions covers the lapband?