New here/Insurance Question!

[thedawnmarie 5]

Hey yall!

I'm Dawn Marie, 22, and live in Virginia. I've been considering WLS for a year or so.

I've not gone to a consultation yet, I'm still trying to find a surgeon that I think is best for me.

Insurance question...

I've read in multiple places that the state of Virginia requires insurance companies to cover WLS. Although I live in Virginia, my insurance is Blue Cross Blue Shield of South Carolina. Would I be covered since I live in Virginia, or no since my insurance isn't in the state of VA?

Thank you!

[alwaysvegas 702]

Contact your insurance directly. We all have insurance variations even from the same provider, so even if I had the same provider I may be covered and you might not.

If covered, ask them to direct you to the requirements for surgical approval. Those will detail all the steps required to get approved...and there can be alot.

Best of luck to you!

[samuelsmom 670]

I agree with @@alwaysvegas that you should contact the company directly. That being said, it is my understanding that insurance companies are obligated to follow the laws of the states in which they do business. Each state has some type of insurance commission. The one for VA is at http://www.scc.virginia.gov/boi/.

[Bonawanabfree 280]

I live in Florida and my insurance is BCBS IL. I was covered.

[thedawnmarie 5]

Thanks all!!

[blondebomb 580]

I have bcbs of ky..live in OHIO had my surgery by a dr certified on their hospital of excellence board . call your insurance and ask them who they support and take it from there..best wishes..????