M appt with Dr Bour

Had my first appointment with Dr Bour yesterday...went as expected. They put me on Lexapro....we'll see how that goes...I am already having anxiety on my anxiety medicine!! Anyway, they will start submitting to Cigna today and they think they will know something within 2-3 businesss days...cross your fingers~ Melissa

congrats on your first appt!! Sounds like it was great.. and good luck with the approval!

Thanks, Jenn, I'll keep ya posted....Good Lord you look awesome!!!!

Hi Melissa Congrats on a great first appointment.  One word of caution though--I had Aetna--very similar to Cigna. Got my letter saying I was approved. Called Aetna and talked with them about my being approved-everything checked out. The one question I never asked---I am approved but by what type of coverage----I find out that I am normally 90% Aetna/10% me....noooooo--it was covered 50%/50%. I now owe $16,000 I am working on an appeal but I don't think I am going to win this. You might want to check it out before surgery.  In case you were wondering, I'm down 118lbs, 5 months out, and knowing now that I owe $16K would I do it again??? You bet I would. I would have just financed it better Chris

Hey Chris, as an Aetna employee... you cant appeal a plan provision.  But they will send you a nice lil letter that tells you that. Im sorry!

Who do you work for???

Chris, thanks for the heads up...I did some checking back in October when I was trying to get my ducks in a row and was told this by my benefits admin:

the plan you would need to be on to have that type of coverage would be the OA+ plan.   Here is the information I received from Cigna. 

Bariatric services are covered in and out of network as follows:   In Network    $250 Deductible subject to 90/10 Coinsurance Out of Network    $250 Deductible subject to 70/30 Coinsurance and also.. If you are on the oa+ and going in-network the most your hospital stay will cost is the $250 deductible and $1000 in co-insurance (10%)   This would be if the surgery and hospital stay cost more than $10,000 that is what you will need to check with the surgeon's office on.  So, I am hoping this means it will not cost me thousands and thousands?  

melissa,  check to see what your Out of pocket max is... thats the most you'll get stuck with. for you its probably like $1000. or so....  once you hit that... youre good to go!