Insurance Approval/BMI over 50---now what?

November_Ludgate
on 11/7/13 5:45 am

Here's the short chain of events: 

  1. Met with a surgeon, had my initial consultation and weight in. (BMI 49.4) This was 9/18/13
  2. Completed my pre-surgery requirements, including a sleep study and lab work. 
  3. Surgeon's office submitted to insurance (BCBS) around 10/15/13
  4. 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
  5. 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!

PattyL
on 11/7/13 5:48 am

I would take the easy route and just let the doc do his thing.  If it doesn't work, appeal.  You have nothing to lose right now.

larra
on 11/7/13 9:37 am - bay area, CA

I agree with Patty. You shouldn't lose your appeal rights by having the doc submit again, so it's worth a try.

 

Larra

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