So nervous about insurance

Tangerine4 · March 12, 2008

I had my psych visit yesterday and I think it went well. As I was leaving she said "I'll get this together ASAP and fax it over to your Doctor so we can get it off to the insurance to get you approved." Not that I read into that!

Anyway I schedule the surgery Monday the 17th, I am so nervous that my insurance is going to deny me. My only comorbidities are sleep apnea and GERD. I know I will be feeling the ill effects of this weight once I turn 40 and now I am 37, how hard is it to appeal?

I live in Rochester NY and have CIGNA

Elisabethsew · March 12, 2008

IF you need to appeal, call the insurance carrier and ask for your case worker. That is the person that can tell you what you need to do to gain approval. Good luck!

I've got my fingers crossed that you'll be approved.

hnladue · March 12, 2008

Good Luck T! I couldn't get my date until I had everything done and approved!! My appeal took 2 weeks. Don't ya just love how slow insurance co's are when it comes to approving something!!

Brandy~ · March 12, 2008

WOW I am suprised they let you schedule the surgery without preauthorization. I have BCBS and my surgeon won't even think about it until I have the authorization... Even though they authorize the surgery over 40 bmi :drool: I finish my pre op stuff 4/2 then Submit to insurance. I can't wait.

Tangerine4 · March 13, 2008

It's weird because my insurance company kept telling me that they needed me to be precertified for my surgery before they could tell me anything, and the surgeon said he couldn't precertify me until I completed all of the necessary requirements. But it's funny, my doctor's office seems very confident about the whole thing. l expressed my concerns about the lack of comorbidities and they said, oh we'll make it work, we'll find something. And they also told me not to worry about the required 6 months physician approved diet too. I really hope that one doesn't come back to bite me in the butt. My doctor has been "seeing" me for my weight issues for over 7 years and she said that if they even try to get me to add another 6 months of weighing in and blood pressure that she would "handle it" for me. She was extremely upset with this rule that the insurance companies have for this type of thing. She said we might as well just take our own weight and blood pressure, it's all to get a co-pay.

I know I am so ready for this surgery because right now my biggest fear will be that I get denied by Cigna.