Question for all you pros :)

I called my insurance company today to find out what their requirements are up front because if I need 5 years of weight history and all I'm gonna have to do a lot of searching to find my PCP from before I moved to Indiana and all and they said that their only requirement is that I am Morbidly Obese with Co-morbidities and have Psychiatric eval and some other testing. So does this mean I may be able to avoid having to jump through hoops, do y'all think?? So far I Meet all of their requirements. I'm still beginning my journey to an extent, have had my consult and have my psych eval on monday, I'm hoping I don't need a while lot more.

BTW my BMI is 55ish and I have diabetes, severe asthma, GERD plus some.  I have BC/BC of CA I believe. atleast thats the website directs me to.

You said you called them, what did they say? If you meet all their requirements then I'm sure once you get done with your testing/jumping through hoops (psych eval, consults, etc) you'd qualify. I think you are doing all the right things to get ready for approval.  Good luck!  

It sounds very similar to my insurance (United Healthcare).  All I needed was 5 year history, BMI over 40 and age 25. My doctor required the Psych eval, visit to the NUT, and an upper GI scope.   It only took me 3 1/2 months to get approved and have the surgery. As for the 5 year history, Luckly I had two children (now 5 and 3) and thus had a good history of my weight.  (I normally don't go to the doctor).  So they will take any medical records with your weight.  Mine were from my ObGYN BTW - this is much better then my former employers insurance.  With that it required a 12 month supervised diet, in addition to a bunch of other stuff.  I did 8 months of the diet before I left that employer and moved to a different state, so I had to start all over.

Shrug they said that they didn't need the 5 years sooo we'll see. I'm still gonna try to track down the 1.5 years I don't have because theyre in Kentucky and I live in Indiana now.

My suggestion?  Get it in writing.  They can say anything on the phone, but they have to provide you with the written criteria if you ask for it.  They may even fax it or e-mail it if you ask.  Good luck!!

dont rely on calling, get something in writing, you should be ok