Insurance Inquiries

[dmrussell2014 0]

Looking into the process and what is involved. Our insurance will cover with several requirements and there are several doctors in our area that I want to check into. My question is I see that most doctors state they will do a free insurance check. Will this hurt you, meaning if your insurance gets inquiries from multi doctor office's will they see this as she's just shopping around. But isn't that what you want to do? Find the doctor you are comfortable with.

[notmyname 593]

It won't hurt you. I saw three doctors before I chose one. And they had me call the insurance to find out my coverage (which they also knew because they work with my insurance a lot) and they only contacted the insurance once I'd met the requirements.

[anonbaribabe 236]

I can't imagine this would be detrimental and I don't think they can penalize you for checking out all your options, provided that you meet all their requirements. To me, this sounds more like something the doctors' offices are saying to try to "incentivize" picking them—like, "Hey, pick us and we'll handle dealing with your insurance for you."

[GreenTealael 25,446]

It's not like a credit card where a hard inquiry affects your rating, it's a verification of coverage.

You can also call your insurance company and ask the same question for total peace of mind.

Safe Journey 🎈

[GradyCat 3,696]

No, it won't hurt anything at all. They're just checking for limitations, if 6 mos. of weight loss management is required before surgery, deductibles, and such. All okay.

[cell 0]

hello all i have a question i have cigna and i called them personally to ask if they cover the weightloss surgery and they told me no off the bat, my question is... has this happened to anyone? should i have my doctor submit paper any paper work?

[Diana_in_Philly 1,426]

37 minutes ago, cell said:

hello all i have a question i have cigna and i called them personally to ask if they cover the weightloss surgery and they told me no off the bat, my question is... has this happened to anyone? should i have my doctor submit paper any paper work?

Every insurance policy is different. From what you are saying, your Cigna policy has an exclusion. Submitting paperwork will not do you any good - it is not covered. You either need to wait until you can change carriers to someone who does cover (check before enrolling) or go self pay. There probably are Cigna policies which cover bariatrics, but it appears yours does not. Having the doctor submit won't change that.

[Ed_NW 684]

37 minutes ago, cell said:

hello all i have a question i have cigna and i called them personally to ask if they cover the weightloss surgery and they told me no off the bat, my question is... has this happened to anyone? should i have my doctor submit paper any paper work?

A lot of insurance companies don't cover it. I had to wait until I got a policy through an insurance company that covered it. Sometimes it's just a coverage level Gold, Bronze, Silver, Dirt, etc...