Are you scared of insurance Denial?

I am feeling the same way you are.

Lately as I get closer and closer to to my surgery I am finding myself more consumed with thoughts of disaster. I am one of those people who never expect good things to happen to them. If insurance denies me I am going to be so devistated. I want this surgery more then anything and I am so close to completeing my 9 month suprevised weight loss and I am just dreading everything now. I have lately been brought to tears thinking about being denied the surgery.. I am getting so depressed about this..... I dont know what to do if I am denied by Coventry..... Any Suggestions????

I think Andrew Carnegie said it best when he stated: When faced with turmoil, 1. Imagine the worst case scenario 2. Decide ahead of time what you will do in     case the worst thing actually happens. 3. Proceed calmly with step 2. Let's say then the insurance actually denies you after the whole 9 months. You have to ask yourself if you are up to fighting it. If indeed you are not up to it.  Next thing you need to do is ask yourself  another important question....are you up to a 'self pay' operation. Either you are or you aren't ... you have to decide to proceed , fight, or self pay. Or....this is a biggie,  not have the procedure at all. Keep us posted. You are beautiful 'as you are'.  But like you,  I really want my WLS. I have decide 'ahead of time' that regardless of my insurance , I am  proceeding with WLS.   

I hear you!  I will be done with my six month dr supervised diet on the 18th and then will be submitting all to the insurance company.  I have done all that they ask, but there is still something that catches me every so often that what if..........?  Good luck to you and hope you are on the table for the surgery soon!

Yes!! Very nervous, I just started my my six month diet on the 2nd. The doctor seems to think everything will go through fine since my BMI is so high, but never can tell! Just hang in there is all we can do and feel free to add me to your friends list :)

Yes, I'm obsessing about it, too, but I've made up my mind that if I'm denied, I will go through the hospitals financing program. The only thing is I will choose lapband because it's less expensive where as I would like to have the rny. Time is dragging by now that I've made up my mind to have it, and my primary doc is recommending it for me. I, too, have been borrowing trouble at every turn. So far so good. This board helps a lot - Lilly

There are many things I am afraid of in my life.  The biggest one is not being able to see my 1 year old son graduate from college.  I know with my present weight I am lowering my chances of that.  With my 1 request denied and first appeal denied I am not afraid.  Am I getting a little hacked off, yes but afraid no.  I know that of this whole process the junk I am putting up with is the hardest part.  I know I have met each and every requirement and that I will need to just further document what I have done.  I am here at the appeal process I need to get to here which is 180 pounds failure is not an option.   Scott

I'm scared to death!  I'm going to do my 7th weigh in at the end of the month, thus completing my 6 month diet.  I've noticed my dr's notes are really sparse and I hope she can write me a good letter and the notes are detailed enough for approval.  You are not alone!  I'm also scared of the financial ramifications of being off work for 4-6 weeks to recover.  I'm such a worry wart!  Welcome to my world!

Hello sweetie! I am very nervous about the insurance process, for many of the same reasons as you. I have been through SO much, and they will not even submit my information until I have met with the psych and nut ONE more time. But they keep saying that, and I keep having to pay out of pocket, $160 per appt. for these nutrition appointments. Try to keep positive thoughts, I am sure you'll be covered. You've done everything the company says they ask for. Breathe... Let me know when you get your approval! Hugs, Karen