fepblue post op complications

[GassyGurl 428]

Just wanted to share an exchange I had with my insurance company today (fepblue basic). Right now I'm going through the process with a local bariatric clinic, but am keeping Mexico, Vegas, Florida Medical Tourism surgeons in case I receive an insurance denial (BMI is 35.1) . If insurance approves, it's a great deal, but if they deny, I'm not paying the $18500 cost. I am also not sure if I want to wait till October.

I asked (via secure portal) if I had surgery

in Mexico,
away from my home state,
was cash pay,
or anything other than approved and paid for by fepblue,

Would complications be covered? Such as a stricture or a leak. I also asked if there was any stipulations regarding the original surgeon or facility needing certain accreditation, (JCI, Center of Excellence, Surgeon of Excellence, etc)

Their response can be seen below. This makes me feel so much better about considering less expensive (yet fully qualified) programs. Complication insurance quote was almost $500 - I think I'd feel less pressure to purchase it now.

Mrs. Wood,

Medically necessary corrective measures needed to correct complications arising from any procedure, whether the original procedure was approved or not, no matter where the original procedure occurred or who the surgeon was, would be considered for coverage and payment; the corrective procedure would not automatically be excluded or denied but would be considered as any other medically necessary procedure would be.

Sincerely,
********
Customer Service Advocate
Federal Employee Program
Blue Cross and Blue Shield of South Carolina