Question on Pacificare HMO insurance/ State
Help!!
Does anyone know if the Pacificare HMO insurance with State and Education Employees covers any of the weight loss surgeries?
I'm looking into the Laproscopic Sleeve and am wondering if they cover it or if all weight surgeries are excluded. Hopefully someone on here has dealt with this insurance company.
Thanks for you help. judy
Does anyone know if the Pacificare HMO insurance with State and Education Employees covers any of the weight loss surgeries?
I'm looking into the Laproscopic Sleeve and am wondering if they cover it or if all weight surgeries are excluded. Hopefully someone on here has dealt with this insurance company.
Thanks for you help. judy
OSEEGIB has an exclusion for any treatment relating to obesity. I ended up being self pay due to their short sightedness. I even spoke in front of the products board explaining that they did indeed cover obesity- the health problems associated with obesity such as heart attack, stroke, diabetes, etc while offering no coverage for the treatment of the disease itself. I personally think they are a bunch of short sighted dweebs! OK, crawling off soap box!
I can't believe they wouldn't even allow you to use your medical savings account for this. We have an account where I work through AFLAC and my DH has one through his school only they use Ameridan Fidelity. Mine paid out MY funds immediately but I had to submit a letter of necessity to American Fidelity (guess they thought needing to loose 200+ pounds was simply cosmetic!!!). Anyway, both funds paid out what we had in them but still didn't come close to the $15,00 out of pocket. I'd doe it again though...I'd find a way to self-pay...which I did. The best decision of my life.
Well I'm hoping that I can get them to pay those things too. I'm going to check with my Primary Pysician and see if he will refer me to have the sleep test if needed.
Every little bit will help.
I think it is a shame that they write it out of the policies for as much as we pay for insurance these days.
It would illinate alot of other expenses for them if they did allow these surgeries. But I guess they don't listen to us.
Thanks for your information.
I'm going to my first dr. visit tomorrow. I'm off on the first step.
Every little bit will help.
I think it is a shame that they write it out of the policies for as much as we pay for insurance these days.
It would illinate alot of other expenses for them if they did allow these surgeries. But I guess they don't listen to us.
Thanks for your information.
I'm going to my first dr. visit tomorrow. I'm off on the first step.