Need Advise Please
Hello, everyone! I am kinda new, I posted a few times months ago when I first begin my fight to get wls and have been a faithful lurker every since. I am in need of some advise. I posted on the insurance board as well, but am hoping someone local may have some info. This is going to be kind of long so please forgive me but I need to give a little background info.
I have BCBS of IL through my husbands employer, it is a self funded plan. There is a written exclusion for gastric bypass which reads:
" Services and supplies rendered or provided for gastric bypass surgery."
The surgeons office sent in a pre approval request specifically for RNY and of course I got denied. I hired an attorney and tried to get the decision overturned to no avail. So, here is my question: Do you think it would be worth it to try and get the Sleeve approved since the exclusion is written so specifically to bypass? And if so how do I go about doing that with out getting the surgeon involved again? My current surgeon does not do the sleeve and I live in Sapulpa so it is a bit of a drive to weight wise , and they will not submit it until I drive up there and go through the seminar and have a consultation appointment. (which I have already done with my first surgeon at a price of $200) I really don't want to drive up there 2 different times and spend the money for the consultation until I know if I can get approved. Any info or suggestions will be greatly appreciated! Thanks!!!!
"Don't confuse fame with success. Madonna is one; Helen Keller is the other."
Erma Bomebeck
There are different plans to chose from, however they all exclude. It is the company that has the exclusion, not the insurance. Thanks for the great info!
"Don't confuse fame with success. Madonna is one; Helen Keller is the other."
Erma Bomebeck
"Don't confuse fame with success. Madonna is one; Helen Keller is the other."
Erma Bomebeck
" Services and supplies rendered or provided for gastric bypass surgery."
That indicates to me that only the RNY is not covered. Banding and Sleeves are not technically a bypass operation. My point is that you could argue with them on a sleeve or band and get it covered because their language does not specifically exclude them. That might screw it up for others that follow but it might mean no money out of pocket for you since BCBS would likely change the language.
I would ask the lawyer or the docs by phone and see what they say. Insurance companies are notoriously narrow-minded when it comes to WLS. I love to see them get caught by their own language!
" Services and supplies rendered or provided for gastric bypass surgery."
That indicates to me that only the RNY is not covered. Banding and Sleeves are not technically a bypass operation. My point is that you could argue with them on a sleeve or band and get it covered because their language does not specifically exclude them. That might screw it up for others that follow but it might mean no money out of pocket for you since BCBS would likely change the language.
I would ask the lawyer or the docs by phone and see what they say. Insurance companies are notoriously narrow-minded when it comes to WLS. I love to see them get caught by their own language!
I think you could argue and get them to cover a band or sleeve surgery, but I'm sure as soon as you won they would be changing the language to exclude ALL WLS so as to not having to foot the bill for other people.
Best of luck sweety! *BIG hugs*
Do keep us updated on your progress. You are in my prayers!!
You have to expect things of yourself before you can do them. ~Michael Jordan
My Goals:
1) 200lbs ACCOMPLISHED
3) 170lbs
4) Run 5K
"Unneeded food is not any less wasted in a body that doesnt need it, than it is in the trash." ~Brandilynn
"Those that will not be governed by God will be ruled by tyrants." ~William Penn
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I also tried to call BCBSIL and find out and they told me to call my employer, so I did and they told me to have the DR. submit it to BCBSIL to get an answer. ARRRRRR so frustrated!!!! I give up! I am just going to have to bite the bullet and self-pay.
"Don't confuse fame with success. Madonna is one; Helen Keller is the other."
Erma Bomebeck
Don't let them push you around!
Yeah. Don't let them get the best of you and tell you just what can and can't be done. Get someone in YOUR corner with YOUR best interest in mind, not the insurance company. I mean how much money have YOU put in THEIR pocket?? It's time they helped you when you are in need. If you have gone to a doctor and they said it is a needed surgery for your health, then I can't see that it could be denied.
Good luck sweety! Fight the good fight!
*SUPER BIG HUGS*
You have to expect things of yourself before you can do them. ~Michael Jordan
My Goals:
1) 200lbs ACCOMPLISHED
3) 170lbs
4) Run 5K
"Unneeded food is not any less wasted in a body that doesnt need it, than it is in the trash." ~Brandilynn
"Those that will not be governed by God will be ruled by tyrants." ~William Penn
~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~^~