Question:
Will I get denied for Plastic Surgery by Cigna?

My PCP gave me a referral to see a Plastic Surgeon next month.My insurance company (Cigna) says it has to be medically necessary before they will pay for a TT or Breast Lift. I have a infection at this time,my doctor gave me a rx to take care of it. I have them often. My problem is by the time I get in to see the P.S my Rash and Boles (in my private area) will be gone, and the PS wont have them on a picture. So what will my insurance company have to go by? I think I will get denied even tho I have rashes a lot just not when i need for them to be seen....Do I have a chance to get these covered???    — Maria L. (posted on September 21, 2002)

September 21, 2002
Take a picture NOW when you have the problem. It doesn't have to be taken by a doctor. You can then take the pictures to the plastic surgeon and ask him to submit the pictures with his letter of medical necessity for your surgery.
   — Patty H.

September 22, 2002
I have CIGNA PPO in NC and they approved my panniculectomy and brachioplasty....no questions asked....within one week of receiving the "letter of medical necessity" and accompanying photographs from the plastic surgeon. Perhaps they simply looked at the pix and gave me an approval based on sympathy :-) I got the same rapid approval from them for my lap RNY. I wish you the same great experience. Good luck!
   — Diana T.

September 22, 2002
thank you all very much for the responses you gave me. I will take pics with me..
   — Maria L.

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