Insurance Question

kewltazdude · November 1, 2007

I have Cigna Insurance and currently have a BMI of 42. I have had a BMI greater than 40 for over a year and have been more than 100 pounds over my ideal weight for about 5 years. I have tried various diets over the years and nothing works. I was wondering if anyone who has had this done had Cigna insurance and if so what your experience was like (finding a doctor, payment process, your out of pocket cost, etc). Thank you for any help you can provide!

flipbarnett · November 3, 2007

I have Cigna as well. I am going to Dr. Spaw's for my surgery. His office and staff have been very good to me. Dr. Spaw called me at home to see if I had any questions, the nutritionist called and I have already done the Psychological. I feel so comfortable going with Baptist.

I pray that Cigna pays for it. I was told they would, I just had to go thru hoops of paperwork etc. to get there. I just finished the 6 month weight loss with my dr and she is to have my paperwork ready by Monday. (I HOPE SO) I'm getting tired of waiting and anxious about the surgery.

Suthernsurg · June 9, 2008

I have cigna insurance. Make sure you ask many questions. When I called them to make sure the surgery would be covered ( after getting all the requirements done that is ) they told me that my insurance covered all but 20% after the deductible. That was incorrect. In the insurance packet that I received at work in black and white it says any bariatric surgery would be covered 100% after the deductible.

I work for methodist healthcare and called my benefits administrator and had them check into it for me. Turns out, if I had the surgery done at St. Francis hospitals the insurance only covered 80%. But I am a methodist employee and would be having it done at a methodist facility so the surgery is covered 100%.

Again, just ask questions and if you have to, ask the same ones over and over. The people that answer the phones at the insurance company only go by what they read on a computer screen. They don't bother to find out what company you work for or an other details. It's a big pain in the rear but you want to make sure that you get the CORRECT information. Your best bet would be to go through your benefits administrator.