5 years documented weight

[carchaser 0]

My insurance BCBS WY said my wife and I have to have a documented five year weight history in order for the surgery to be approved. It's not in their policy which I have a copy of. We both meet the reqirement in the policy, but the five year weight history is not in there. I've been denied once, and my wife has been denied twice. We are young so we haven't really been to the doctor at all and we haven't has insurance until this past two years. We are getting ready to go to the state insurance board. Can anyone offer any ideas? This is ludacris. My wife could have a heart attack or stroke in the next five years...but she despretly wants kids and I want to be a good healthy dad. I know the only way she can get pregnant is for her to lose the weight. Everywhere we turn for help, the door seems to be slammed shut.

[ParrotheadCathy 0]

Unless they can prove that it is stipulated in writing, I'm note sure they can enforce it. Go ahead and call the insurance commissioner's office and ask. IT NEVER HURTS TO ASK.

[crzytchr 3]

My insurance BCBS WY said my wife and I have to have a documented five year weight history in order for the surgery to be approved. It's not in their policy which I have a copy of. We both meet the reqirement in the policy, but the five year weight history is not in there. I've been denied once, and my wife has been denied twice. We are young so we haven't really been to the doctor at all and we haven't has insurance until this past two years. We are getting ready to go to the state insurance board. Can anyone offer any ideas? This is ludacris. My wife could have a heart attack or stroke in the next five years...but she despretly wants kids and I want to be a good healthy dad. I know the only way she can get pregnant is for her to lose the weight. Everywhere we turn for help, the door seems to be slammed shut.

I had the same problem until I realized my weight was documented when I went for my yearly check-ups at the ob/gyn. This doesn't help you, but if your wife was seeing her doctor yearly, she can get the weight documentation from them.

[carchaser 0]

I have a copy of their policy, and it doesn't say anything about a documented weight history. Only two requirement. BMI of 35 with at least two comorbities or a BMI of 41 alone. I'm thinking the state insurance office is what we'll have to resort to.

[nkara 0]

I'll say what my mother tells me all the time. Always file an appeal.. even if it's 10 times.

She actually works for BC/BS and said that 80 - 90 % of the time they will approve on an appeal.