FEP BLUE TX states do not do predetermination of payment, anyone else have this

boomerkaren
on 9/17/06 1:37 pm - Houston, TX
HI I need to know if anyone's insurance does not do predetermination of payment. FEPBlue TX policy states they cover RNY but not Lap Band, no mention of predetermination. When I called I found that the surgeons office cannot send the paperwork ahead of time for approval, they just send it back. They don't decide payment till post op. The other thing about FEP Blue TX is I learned from the surgeons office it is not clear cut, no big surprise.  The persons  they spoke with at my insurer say they have the option of requiring BCBS Tx policy be complied with. This includes 12 month MD/nut diet, five years history MO, plus others. The also have a phrase like "Demonstrated FAILURE at 12 month MD/Nut supervised diet with compliance". For the life of me I don't know what that means and they will not enlighten me as I cannot speak to BCBS TX, not insured by them, but FEP Blue just says they can decide to use BCBS TX policy but cannot explain it to me. I guess I am mostly venting but would love to hear form anyone who knows about another company that does not do predetermination. Thanks, Karen
Angela W.
on 9/19/06 2:25 am - New Orleans, LA
This is what I found for you on BCBS of Tx web site.  It is their policy on Surgery for Morbid Obesity.  I have a feeling that if their requirements are more strict than FEPBlue, they will use the BCBS of TX ones.   You can also look to the left on this board and choose the topic "insurance by state" and choose your state and you will see an alphabetical list of insurance companies....just go to yours and see what people have said about getting approved by them. Hope this helps.  
Angela
jlflbf
on 9/19/06 5:39 am - Shore Area, NJ
Hi Karen, I have BCBS of Texas, here is what there requirements are. I got this directly from their wedb-site. Hope this helps you. LOL Jen

Title:

Surgery for Morbid Obesity

Number:

SUR716.003

Effective Date:

07-01-2006

Legislation:

 

ILLINOIS None

NEW MEXICO None

OKLAHOMA:

TEXAS None

FEDERAL (applies to all Plans):  None

 

Contract:

 

Each benefit plan or contract defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan or contract to determine if there is any exclusion or other benefit limitations applicable to this service or supply.  If there is a discrepancy between a Medical Policy and a member's benefit plan or contract, the benefit plan or contract will govern.

 

Coverage:

 

Coverage for Bariatric surgery may be considered eligible for coverage in the treatment of morbid obesity when ALL the following criteria are met:

  • Body Mass Index (BMI) of greater than or equal to 40 kg/meter squared OR a BMI greater than or equal to 35kg/meters squared with at least two of the following co-morbid conditions which have not responded to maximum medical management and which are generally expected to be reversed or improved by bariatric treatment:
    1. Hypertension
    2. Dyslipidemia
    3. Type 2 diabetes
    4. Coronary heart disease, and/or
    5. Sleep apnea
  • A documented five-year history of morbid obesity (BMI greater than or equal to 40 kg/m squared). When medical records are requested, a letter of support and/or explanation is helpful but alone will not be considered sufficient documentation to make a medical necessity determination. Individual consideration may be given to patients who do not meet this criterion but are suffering from one or more of the co- morbid conditions noted above and these conditions are not responding to medical treatment.
  • A documented failure of twelve (12) continuous months of compliance with medically supervised non-surgical methods of weight reduction.  Medical supervision must occur under an MD, DO, or an Advanced Practice Nurse or PA working under physician supervision (as required by licensure) within the previous 24 month period prior to the request.  A medically supervised weight management program is expected to consist of:
    1. Nutritional therapy or medical nutrition therapy including a very low calorie diet (e.g., MediFast or OptiFast) unless contraindicated.,
    2. Behavior modification or behavioral health interventions,
    3. Supervised increase in activity,
    4. Pharmacologic therapy (unless contraindicated),
    5. Maintenance support to continue to encourage nutrition choices to reduce health risk factors and maintain a healthy lifestyle.
  • Evaluation by an independent, appropriately licensed professional counselor, psychologist or psychiatrist who is unaffiliated with the surgical program.  This evaluation must document:
    1. The absence of significant psychopathology that would hinder the ability of an individual to understand the procedure and comply with medical/surgical recommendations; and
    2. Evaluation of psychological comorbidities that contribute to weight mismanagement; and/or eating disorder.
  • Documentation of willingness to comply with preoperative and postoperative treatment plans; and
  • Growth has been completed (18 years of age or documentation of completion of bone growth).

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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