Insurance Approval/BMI over 50---now what?
Here's the short chain of events:
- Met with a surgeon, had my initial consultation and weight in. (BMI 49.4) This was 9/18/13
- Completed my pre-surgery requirements, including a sleep study and lab work.
- Surgeon's office submitted to insurance (BCBS) around 10/15/13
- Received denial letter from BCBS, because of my BMI. The BCBSIL guidelines state that they do not consider the DS to be medically necessary for a BMI below 50. Comorbidities are irrelevant. Letter is dated 10/31/13
- Went back to the surgeon's office to update my weight, and my BMI is now 50.8. (As of 11/6/13).
Now the surgeon's office is asking if I'd like them to send my new weight to BCBS, and I don't know how to answer them.
Should I do a formal appeal (write a letter, etc.)? Or would it be better to let the Dr's office send this quick update?
Has anyone been in this situation where they needed to update a weight after a decision had been made? I'm worried the insurance company will think I'm lying or something, but we're talking about 4 pounds here. My weight can fluctuate by 5 pounds just based on water weight, time of the month, sodium intake, etc., and my insulin therapy has caused me to consistently gain weight since I started. So I'm not surprised that I gained the necessary weight in 6 weeks, but perhaps they will be?
Any advice?
Thank you all in advance!