back from vacation and update on denial!

MARYINCHGO
on 9/20/07 11:17 pm - Chicago, IL
Hi Kim, Here is the info from the BCBS website.   It looks like the denial is for not having 5 years of M.O., not for having gained or not lost enough on the supervised diet.  Keep trying to appeal, you never know if things will change. Mary
Blue Cross Blue Shield of Illinois
  Medical Policy on Surgery for Morbid Obesity
 
Home Health Risk Assessment Weight Loss Guide Patient Education Tools For Your Health Program EMMI Bariatric Surgery Decision Support Tool Medical Policy on Surgery Blue Distinction Centers Bariatric Surgery FAQs  

Each benefit plan or contract defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan or contract to determine if there are any exclusions or other benefit limitations applicable to this service or supply.

The following criteria and guidelines have been developed to judge eligibility for coverage of bariatric surgery for the treatment of morbid obesity.

To be considered eligible for benefit coverage of bariatric surgery for treatment of morbid obesity, the following three criteria must be met:

A. A diagnosis of Morbid Obesity, defined as:

  • Body Mass Index (BMI) of greater than or equal to 40 kg/meter squared; OR
  • BMI greater than or equal to 35kg/meters squared with at least two (2) of the following co-morbid conditions which have not responded to maximum medical management and which are generally expected to be reversed or improved by bariatric treatment:
    1. Hypertension,
    2. Dyslipidemia,
    3. Diabetes Mellitus,
    4. Coronary heart disease, and/or
    5. Sleep apnea.

AND

B. At least a five-year history of Morbid Obesity supported by medical record documentation.

AND

C. It is expected that appropriate non-surgical treatment should have been attempted prior to surgical treatment of obesity.

Non-surgical treatment of morbid obesity appropriateness criteria:

  • Medical record documentation of active participation in a clinically-supervised, non-surgical program of weight reduction for at least 6 months, occurring within the twenty-four (24) months prior to the proposed surgery and preferably unaffiliated with the bariatric surgery program. NOTE: The initial BMI at the beginning of a weight reduction program will be the “qualifying” BMI used to meet the BMI criteria for the definition of morbid obesity used in this policy.
  • A program will be considered appropriate if it includes the following components:
    1. Nutritional therapy, which may include medical nutrition therapy such as a very low calorie diet such as MediFast or OptiFast OR a recognized commercial diet-based weight loss program such as Weigh****chers, Jenny Craig, etc.
    2. Behavior modification or behavioral health interventions.
    3. Counseling and instruction on exercise and increased physical activity.
    4. Pharmacologic therapy (as appropriate).
    5. Ongoing support for lifestyle changes to make and maintain appropriate choices that will reduce health risk factors and improve overall health.

Surgical Program for the treatment of morbid obesity documentation requirements:

  • Documentation that growth is completed. Generally, growth is considered completed by 18 years of age or with documentation of completed bone growth.
  • Evaluation by a licensed professional counselor, psychologist or psychiatrist, should be completed within the 12 months preceding the request for surgery. This evaluation should document:
    1. The absence of significant psychopathology that would hinder the ability of an individual to understand the procedure and comply with medical/surgical recommendations.
    2. Any psychological co-morbidities that are contributing to weight mismanagement or a diagnosed eating disorder.
    3. Patient’s willingness to comply with preoperative and postoperative treatment plans.

Significant relative contraindications for surgical treatment of obesity include:

  • Mental handicaps that render a patient unable to understand the rules of eating and exercise and therefore make them unable to participate effectively in the post-operative treatment program. (An example is a patient with malignant hyperphagia (Prader-Willi syndrome), which combines mental retardation with an uncontrollable desire for food.)
  • Portal hypertension, which is an excessive hazard when laparoscopic gastric surgery is performed.
  • Age greater than 65 because for these patients the weight loss is less effective, the duration of benefits is shorter and the risks of the procedures are greater.

This page contains an excerpt of the medical policy "Surgery for Morbid Obesity". The complete policy can be found at our Web site www.bcbsil.com. Click "Providers", then "Medical Policies". Scroll down the next page and click "I Agree." Type "Obesity" in the Search box, then click "Go!". Click "Surgery for Morbid Obesity" to view the policy.

These features are not available to all members. Contact Blue Cross and Blue Shield of Illinois Member Services for more information. You can access obesity information and the Health Risk Assessment via Blue Access® for Members.

These services do not apply to HMO members. As with other medical conditions, HMO members are encouraged to coordinate their care through their Primary Care Provider.

Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.

© Copyright 2007. Health Care Service Corporation. All Rights Reserved. Legal Disclaimer | Privacy Statement | Code Of Conduct

MARYINCHGO
on 9/20/07 11:19 pm - Chicago, IL
Oops, it looks like I goofed when I copied the BCBS ifno, sorry.
Kim M.
on 9/21/07 3:09 am - Poplar Grove, IL
Thanks Mary for the info!!!!  I am going to look into all BCBS stuff later today!  I have decided not to give up and see what happens and last resort to finance it...thats after all 3 appeals!
C. Richardson
on 9/20/07 11:24 pm
Hey Kim - This is a really tough one.  I would not do anything like financing the surgery w/out your hubbies blessing.  That could cause a major strain on your relationship. Keep fighting w/ the insurance company, looks like Mary W. was able to provide some valuable information for you.  Maybe if you bug them enought, they'll say yes just to get rid of you!  Wishful thinking.  They want you to give up so don't! I look forward to seeing you on Sunday. Christina
MARYINCHGO
on 9/21/07 12:40 am - Chicago, IL
Hi Kim, I have BCBS of IL PPO and was denied numerous times.  I will give you details on Sunday when we meet.  From past experience, do not let this get you down.  It is very easy to let this bump in the process depress you.  Hang in there and we will talk on Sunday. Mary
(deactivated member)
on 9/20/07 11:12 pm - Wood River, IL
Kim hon, I don't know what to say.  Just keep fighting for it.  I would check that insurance out.  I am not sure of the costs.  You have a PM. Dee
berts4
on 9/21/07 1:57 am - Rock City, IL
Dear Kim: Welcome home!!!! and Happy Birthday a day late! Mary W. gave you good advise and I will also be there on Sunday and we can talk then. My insurance approval process took me through 2 insurance companies, all the way to Lisa Madigan's office, and almost 2 years........but I won in the end. Self-pay was not an option for me either.  You will get this, we will just have to figure out what they want and give it to them. The first place to look is in your medical records for the 5 years.  WHEN exactly did you drop below 40 BMI?  How far below 40 did you drop?  How long was your BMI below 40?  Did you have any other co-morbidites during that time (GERD, joint pain, sleep disturbances, etc......)? Looking forward to seeing you on Sunday,

 

Tell someone that you love them!
Dawn
253/223/167/127
HW/SW/CW/GW
 

Kim M.
on 9/21/07 3:12 am - Poplar Grove, IL
We will talk on Sunday!  I can't wait to meet you!  Thanks for the support!
xraychik
on 9/21/07 3:16 am - Rochelle, IL
(((((((((KIM)))))))))))) Sending you lots of hugs.  I'm sorry that the ins. comp. is being a pain in the butt.  Just keep trying.  I'm sure everything will work out.   On a happier note, I'm glad you had a great vacation to disney.  I've never been there, but that is one of my "post op plans/goals".  Oh and happy belated birthday!   I hope I see you on Sunday. Cindy

 
I can do all things through Christ who strengthens me. -Philippians 4:13

Most Active
Recent Topics
LET'S RESTART THE IL. SITE
scaryreader · 0 replies · 1286 views
Wednesday Roll Call
LisaTucker · 2 replies · 5781 views
Tuesday Roll Call
crystal M. · 2 replies · 5541 views
Sunday Roll Call
LisaTucker · 0 replies · 5525 views
Thursday Roll Call
LisaTucker · 2 replies · 5559 views
×