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Originally Posted by raindrop
Well my insurance does not cover any surgical or non surgical weight loss treatment/system, etc. Glad I called!
Reagan
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Don't Believe Them!
It seems the first rule of insurance companies is to deny everything! My insurance company did that to me, until I kept calling back with additional questions.
Never ask closed end questions (one's that can be answered with yes or no.)
They do not typically volunteer information. See your doctor and get the ball rolling on your pre-op. Also, get started on the "six month doctor supervised weight loss program." This is one of the first things the insurance company will ask, and is the one sticking point for being denied (even if you are qualified in all other areas.) If you've tried weight watchers, jenny craig or anything else be sure to get them in your medical file (it all helps establish "medical necessity"). Some will accept your previous documentation, and others may not (like me). Be sure you and your doctor know what is expected.
The point is, don't give up easily. That's exactly what the ins. co. is counting on. They set up so much "red tape" they hope you give up.
Good luck and let us know how things go.
Go see your ER representative and get information from them - after all, your company is the one who negotiated the contract with the insurance company and decide what is and what is not covered.
Maybe your insurance company doesn't cover gastric bypass, but they may cover the lap band.
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