Devastated

Stacy655
on 3/22/11 8:52 am - FL
I have been waiting patiently to hear from lovely insurance company to see if they will approve my lap band surgery. I felt pretty confident that since the surgeon that I had selected was a "Blue Ribbon" surgeon for Blue Cross/Blue Shield my plan would pay. Ha. I just got the "I'm sorry to inform you" letter. I have been crying ever since. We just don't have the money to self pay. I am devastated. I have no idea what I am going to do now. I have at least 3 co-morbidities to qualify me for the surgery. My insurance would rather pay for me to be unhealthy, and all the expenses that go with being unhealthy rather than simply just pay for my surgery. Amazing. And I thought I was depressed with all this weight I've gained. I was so looking forward to being my old self again and not feeling ashamed of how heavy I've become. My husband wasn't much help. He said that if I tried to diet again and went back to taking the Adipex that I would be ok. If it hasn't worked the 2 times that I've tried it, does this mean that the third time is the charm? Meanwhile, he continues to lose his weight and his clothes are falling off of him. Me? I can barely squeeze into mine. If I sound angry, hurt and bitter, you betcha I am. Emotionally I just don't think I can handle being fat anymore. I don't know what to do and I feel that I am at the end of my rope. What do I do now?

LittleMissSunshine
on 3/22/11 8:57 am
What's your BMI?  Have you considered submitting an appeal?  Did you have a sleep study done to check for sleep apnea (another thing to add to the co-morbidity list)?

So sorry to hear you were denied, definitely try appealing though... sometimes giving them more info the 2nd time around can make all the difference.

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jeanmomof4
on 3/22/11 8:59 am - IL
Well what was the exact reason, we all went through this maybe we can guide you the RIGHT way.
        
Stacy655
on 3/22/11 9:57 am - FL
I have not filed an appeal. I just got the letter in the mail. I didn't even know that you could file an appeal. I did have a sleep study done and I do have Sleep Apnea and use a CPAP machine. I was also able to get a copy of my sleep study . My BMI is 36.6. I also have PCOS and Insulin Resistance. I will call my insurance tomrrow and see what they say. Thanks for your advice.
Colleen S.
on 3/22/11 10:15 am - Mechanicsburg, PA
Don't get too upset yet.  It could have been denied for not enough information.  I am a cust. serv rep. there so I know a little about the approval process.  All states are different, but mine was approved without a problem.  If your bmi is over 35 with comorbidities it should be eligible.  You should be able to go their web site to access medical policy to see all the criteria needed.  Here is an example of Medical Policy, but it is not Florida's Blue Shield.  Note the last sentence, if all of this info is not received it will be denied as not medically necessary.  Do you know if your Dr. submitted all of this information?  If I can help in anyway, feel free to send me a PM.

Patient Selection Criteria for Adults

  1. The patient is morbidly obese;

    Morbid obesity is defined as a condition of consistent and uncontrollable weight gain that is characterized by a weight which is at least 100 lbs. or 100% over ideal weight or a BMI of at least 40 or a BMI of 35 with comorbidities (e.g., hypertension, cardiovascular heart disease, dyslipidemia, diabetes mellitus type II, sleep apnea).

     
  2. The patient is at least 18 years old; and

     
  3. The patient has received non-surgical treatment (e.g., dietitian/nutritionist consultation, low calorie diet, exercise program, and behavior modification) and attempts at weight loss have failed.

     
  4. The patient must participate in and meet the criteria of a structured nutrition and exercise program.  This includes dietitian/nutritionist consultation, low calorie diet, increased physical activity, behavioral modification, and/or pharmacologic therapy, documented in the medical record.  This structured nutrition and exercise program must meet all of the following criteria:

     
    • The nutrition and exercise program must be supervised and monitored by a physician working in cooperation with dieticians and/or nutritionists; and
    • The nutrition and exercise program(s) must total 6 visits or more during a period of six consecutive months; and
    • The nutritional and exercise program must occur within two years prior to the surgery; and
    • The patient's participation in a structured nutrition and exercise program must be documented in the medical record by an attending physician who supervised the patient's progress.  A physician's summary letter is not sufficient documentation.  Documentation should include medical records of the physician's on-going assessments of the patient's progress throughout the course of the nutrition and exercise program.  For patients who participate in a structured nutrition and exercise program, medical records documenting the patient's participation and progress must be available for review.

       
  5. The patient must complete a psychological evaluation performed by a licensed mental health care professional and be recommended for bariatric surgery.  The patient's medical record documentation should indicate that all psychosocial issues have been identified and addressed.

     
  6. Patient selection is a critical process requiring psychiatric evaluation and a multidisciplinary team approach.  The member's understanding of the procedure, and ability to participate and comply with life-long follow-up and the life-style changes (e.g., changes in dietary habits, and beginning an exercise program) are necessary to the success of the procedure.

If the patient does not meet all of the patient selection criteria for bariatric surgery, the procedure will be denied as not medically necessary.

.
                        
BigMikeFrederic
on 3/22/11 10:29 am - Bradenton, FL
36 BMI is pretty low. I think that may have something to do with it. It's pretty hard for the average Joe, or the insurance company to see issues when on paper you would seem to be just barely on the doorstep of meeting criteria. Try to appeal it.

I won my contest, Lap-Band surgery date: 5/03/11. If you want to learn about me and watch my progress click HERE!

    
D. Scott
on 3/22/11 11:08 am
RNY with
I say appeal. I am with blueshield and my first letter was also a denial. Now I don't know forsure what the requirements are under 40 BMI and if sleep apnea is one of their top comorbidities, but its worth a shot. I also have PCOS and I am sorry to say they just don't give a damn about that except as a minor side effect, but everything you can include in the appeal will help. First search this site for appeal letters but here are a few things you'll want to include:

A VERY thorough background of weight history and weightloss attempts. Document EVERYTHING by month, year etc for as far back as you possibly can. List the diet, how long you were on it, what you lost lost as well as what you gained or regained. Also list fitness attempts.

A VERY thorough current list of conditions you have pertaining to your weight. Nothing is too trivial even if it isnt a comorbidity. They need to know that you will cost them more to stay fat then to pay the cost of the surgery. If you have back pain, stress incontinence, hormonal and insulin issues related to the PCOS (though PCOS is not cured by weightloss, only improved, so I'd emphasize the hormonal and insulin aspects mostly), joint pains, the sleep apnea, etc. If it is a problem because of your weight, document it here.

Why you think this surgery is so critical to your health as well as your plan of action to make it work.

It took about 3-5 weeks to get my first denial, but I got a phone call 4 days after sending my appeal and approved the day after. Best of luck!!

Sleeve Revision from Lap-band November 23, 2012

     Starting Weight: 236 Lowest Weight w/ Lap-Band: 160 Current Weight: 190

                                         Goal Weight: 150...40lbs to go

NJDizzybee
on 3/22/11 11:16 am - Riverside Township, NJ

Breathe out....breathe in...repeat   Try not to think about it the rest of tonight and get a good night's sleep.  But tomorrow, find out exactly what you need to do to file an appeal.  Some insurance companies will automatically deny the first try - and hope that you don't appeal.  You need to relay the message to them that you mean business - but follow the procedures, dot your i's and cross all your t's.  It may take some time, and frustration - but hang tough! 

As far as the Adipex - I went FIVE rounds with that stuff.  Lost about 20lbs each time, but always gained it back after.  The last time I took it - I had a series of basilar migraines that gave me the same symptoms of a stroke.  I spent 3 days in the Stroke Unit at the hospital, and spent more than a year of tests, drugs, lost time from work.  My personal physician and I both suspect the Adipex was the root cause.  If it didn't work for you before, why make another attempt? 

Good luck with your appeal and let us know how you're doing. 

    
BASIMAH02
on 3/22/11 11:22 am - IL
I was told that many times your approval depends on how long you were with the insurance company. It's harder to get approved if you haven't had coverage with them long. They think you're going to get the surgery and drop the coverage. I know it's stupid, but insurance company are fickle like that. And then there are times when insurance companies are just  full of crap, like when I was rejected coverage by Humana in the 90's for being overweight....insurance companies are no different than auto insurance companies...they have no problems taking your money, but when it comes time to pay out....they run.

ONE OF LIFE'S MYSTERIES IS HOW A TWO-POUND BOX OF CANDY CAN MAKE A PERSON GAIN FIVE POUNDS



psychomom
on 3/22/11 11:34 am - China Grove, NC
I bet it is a combination of your low BMI and just the nature of your ins co.They may routinely deny certain types of patients IE: one with less than a 40 BMI .However with your co morbidities an appeal sounds like a good start. Find out WHY you were denied and see if your Dr just left something out or if not what the reason is and go from there. They may just need more documentation or you may just need to jump thru more hoops etc. It seems like the end of the road but it is not . Many people get approved on appeals ! Good luck :) Hang in there !
 
          




           
    
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