Don't rush into this

Sooverit! · April 19, 2008

<TABLE class=tborder id=post808534 cellSpacing=0 cellPadding=6 width="100%" align=center border=0><TBODY><TR vAlign=top><TD class=alt1 id=td_post_808534 style="BORDER-RIGHT: #d9d9d9 1px solid">Believe it or not I rushed into this

<HR style="COLOR: #d9d9d9; BACKGROUND-COLOR: #d9d9d9" SIZE=1>It's taken me almost a year and a half of work but it's over at least. This...meaning insurance approval with Cigna. I was Denied because I was shy a 40 BMI by 10 -12 pounds when I submitted everything they were looking for I jumped thru every hoop and paid out every last cent to docs. etc. but I should have know (and not listen to people on this site that said Cigna does cover with no co mobidities - NOT TRUE) they clearly state that they do not cover those under a 40 BMI unless you have grave illness that don't respond to meds.. Not only that but they will not approve any claim even related to this one in the future. Meaning if I gain 10 pounds in the next year.even if I maintain that for a year and..easy to do at my age...they won't even consider it.

My fear is of dying of a heart attack like my twin sister did of obesity last year. My chest is so huge it strangles me at night and causes sleep apnea that doesn't appear on the "test" ...another few hundred bucks there.

My warning to those seeking insurance approval with CIGNA....if you're not starting out with a 40 BMI save your money until you are or get a loan unless you can clearly prove a comobidity.

__________________

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Hastings · April 19, 2008

Just about all the information on here is anecdotal. Everyone has a responsibility to deal with their own insurance carriers and doctors.

You could have found out about your policy with just one phone call.

Sooverit! · April 19, 2008

I was in a VERY gray area....I had to know if what where happening (being approved) would happen to me. Just giving a warning for others to not go through all this with Cigna Point of Service.:confused2: