Anthem Blue Cross , First Steps? Help?

[Guest BikiniBeachy]

Hi, my insurance hasn't kicked in (I switched jobs) and I am waiting to get BCBS Colorado to apply for the Lap Band! I am so excited because I heard it is much easier than Kaiser, my last insurer.

Can anyone tell me my first steps towards this process so I can begin to prepare for when my policy begins?? Thank you!

[jencys 2]

First find the doctor you want to use and make sure they accept Blue Cross. They usually have an orientation you need to attend so do that while you wait. Also you will need a psych eval and a letter from a dietician. Also go to your primary doctor and get a complete medical record. I spent more time waiting for these to be done, and the insurance doesn't cover the fees so you might as well get it done while you wait. If you can bring all of this to the orientation and hand it in so they can get you scheduled for a consult with the surgeon. I wish I had done this while I was waiting for my insurance to kick in. Good luck!

[SuzanneG 1]

I've seen where some policies required medically supervised diet for x months. I would call and ask what your policy will require from you. Also, be prepared for an appeal if you don't get approved the first time through. I have federal BC/BS and I had to appeal mine.

I agree with jencys on getting all the pre-reqs out of the way, however BC/BS will pay for you psych eval, so you may want to wait on that one and if you still have Kaiser coverage, that'll take care of your GP visit.

Good luck to you!

[Ellisa 6]

I didn't read all the replies thoroughly, but if it wasn't mentioned, keep in mind that not all employers purchase a level of insurance that covers bariatric surgery. You'll need to see the policy or contact your provider to see if there are exclusions for WLS. If not, then start looking for a good surgeon and find out what your are required to do to meet your providers requirements. Not all Anthem policies are the same.