No Pre-Authorization??
Yes it is good to know I am not the only one pulling my hair out!! LOL The lady in charge of insurance said she will call BCBS today. So I hope I get some good news. My insurance is changing to UHC in January. Not sure if my new policy will have a exclusion or not. They say it is covered, but a little leary about taking their word for it yet. Plus my deductible is already covered for this year and not much left on my out of pocket max.
Will let you know if I hear anything. Good Luck!!!
Shonnajo, I think we may have the same employer. I also have BCBS and my company is switching to UHC in January. We have a plant in Neosho, MO. Does your employer happen to make furniture? I've had the same run-around with BCBS. I went to the surgeon for my first appt on Sept 29, and the ins co has yet to send anything to the dr's office. I have called both BCBS and the dr's office numerous times. From what I can understand, BCBS only responds to pre-certifications, not pre-authorization requests. My dr's office won't even file because they're not sure I have met all the requirements. The dr's office person spoke to BCBS, and they recommended I go ahead and have the surgery and self-pay, then file to BCBS. WHAT???? What could they possibly know after the surgery to make the decision whether to pay or not that they wouldn't know before surgery? I think that is the most ridiculous suggestion I've ever heard. Anyway, I had asked about UHC's requirements, and they require proof of BMI over 40 for at least 5 years. I won't meet that requirement, so it looks like I'm out of luck. Does anyone know if there are exceptions to the BMI > 40 for five years clause if there are co-morbities?