Insurance coverage help needed

I have two job offers one with aetna- the inner office did brag how good it was. blue cross bs either PPO or HSA- haven't heard much bragging from anyone in the office with this insurance. How can I pick either position so I know that whatever surgery I pick like, lap band etc. will be covered? Anyone have any experience. I need to make a choice by Friday... Help

i have bc/bs. i have had no problem. i am having the sleeve done on the 15th. i just had to do 6 months supervised dr. visits. not bad at all.

Hi there. I have Blue Cross PPO and my insurance is covering 90% of the surgery. Plus my doctor is not requiring me to have the 6month diet thingy prior to summiting to insurance.

Thank you so much! Can anyone explain the difference in surgeries? (I don't want to get a forum fight started, just need basics) Recoup times etc. Why some work for others and others dont. Thanks again

Lap-band is day surgery with back to work in only 3-5 days. This is the band that uses restriction alone for weight loss. RNY is where they form a small stomache and bypass some of the upper intestines. This is 3-4 day hospital stay and about 2 weeks recoupe time, but it can take people up to 6 weeks. I'm 2 weeks out of RNY and feel great. The RNY uses restriction and malsorbtion. It also cause dumping syndrom if you eat alot of calories or fat at once. I haven't had dumping so I can't tell you what it feels like, but I honestly don't want to find out... If you follow directions from your Dr and don't cheat it will work no matter which one you choose. My Dr.'s feel bypass is better for people with a BMI over 45, but they let the final choice be the patients. most insurances cover the procedure. Just check with them on what you need to do prior to approval.... some require you to do more within a program than others.

Call each of the insurance companies, find out if either of the procedures is even "allowed" on the policy. I have bcbsnc and got denied after all of the testing. they kept "requesting more information" from the Dr. when they had all of the information they needed sent to them. I think they were just stalling. when the 30 days was up, they denied mine. my BMI is 36, with no other problems. I was heart broken, so, I wrote them a letter, I told them "everything" I felt, and even ask them if I had a heart attack/stroke or worse because of the weight, were they going to deny me benefits then too?? I faxed it ---They called me!!! and approved it immediatly!!!!

i have aetna hmo. they cover the procedure (although each employer determines whether these surgeries are a part of their contract) but denied my first request. i think they are very strict when it comes to covering wls. you can ask each insurance company for their clinical policy bulletin (avail on net). this way you can read exactly what each requires for this surgery before you make your choice. good luck cindy