What would you do?????????

I need HELP big time guys. My ins. co. lost my expedited appeal request and in speaking with them today I was told that it may be possible to file my appeal over the phone ( first request for approval was denied due to medical necessity)so this time I sent my own appeal letter along with support letters from my pcp, weightloss surgeon, chiropractor and my ob/gyn. not to mention pictures and an emergency room release paper stating that I was seen for back pain and given a script for vicodin and phenergen. I don't see how it is to my benefit to give all that info over the phone. My pcp says that I don't have enough documentation in my chart to prove medical necessity but that he believes that I do meet the requirements. ( Iknow I should have complained more to him). But he wrote a GREAT support letter... so I don't know if its good idea to ask him to appeal it over the phone for me if its permitted. Oh by the way I did send my appeal by certified mail so I do have a receipt that they received it. The thought of trying to prove medical necessity over the phone SCARES ME TO NO END... how do they even know that I'll be telling them the truth..... ANY AND ALL SUGGESTIONS ARE WELCOME AND DEFINATELY APPRECIATED PLEASE PLEASE PLEASE PRAY FOR ME...I KNOW MY THE LORD IS WITH ME...

Remember we sometimes have to help ourselves. So .. get on that phone and you tell them yourself or have your doctor do it . I know I would have gone to all lenghts to get this surgery . And I prayed and prayed and I am here now 110 pounds gone forever . Thanks to GOD above and my surgeon . Please keep us posted . In his Loving Name ! NATALIE

I know it's been a week since you posted this, but I had to reply. (I just found this board tonight!) I would not do ANYTHING over the phone with an insurance company because insurance company call centers have a HIGH TURNOVER rate of telephone workers and who you speak to today may not be there next week and the notes they took might not be there. Always do everything in writing with insurance companies. Fax it if you can. Mail it again. Make sure it is attention to a certain person if you can. Doesn't your surgeon send all that stuff in? Mine said they do. I don't know, maybe every office is different. Just hang in there. You are in God's hands. And don't look back thinking you didn't complain enough. Five years of obesity is medical necessity enough! Don't freak out. Worrying is a sin and does no good, so remember that, pray often and know that we are praying for you too!! You are in good hands! Let us know how it all goes, okay?! I'm praying for an easy approval for ya!