how about if you haven't been to a doctor in....decades...
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It is my understanding that BC/BS will NOT accept anything less then the 6-month physician supervised diet (that mind you is based on the recommendation of a nutritionist). We have BC/BS PA (for UPRR employees) and they require, the 6 month diet plan, dietician consult, psych eval, and letter of referral to surgeon (eventhough our plan does NOT require PCP referral to any specialist). So, my advice to you is to find a WLS friendly PCP as soon as possible and get the ball rolling. I will complete my 6-month BS on Monday and then on Friday I have my initial (yes, the very first) visit wtih Dr. Anthone. When I started thsi process after I hung up from making my initial PCP appointment, I then called BC/BS and asked then to mail me the portion of the policy that related to WLS coverage as well as asked them to read it to me over the phone (I am on the impatient side of life). That being done, I got on here and began my quest for knowledge and the "perfect" surgery for myself. Paul from Dallas has been an INCREDIBLE help and was willing to share his wealth of knowledge. I have assisted my PCP by summerizing my monthly appointments (which end up being 7 trips to docs office) and also having all of his dictations sent to me upon completion in case there are any discrepancies that need to be addressed. It seems that as long as you have your "ducks in a row" that BC/BS is less stringent than some of the other insurance companies. I do not know which surgery you are considering, but my PCP had little information about the DS which is what I have chosen to go with. He has since gone to the physician's seminar and then met with Dr. Anthone so he is more informed than his patient. The surgeons in this area (midwest) that perform the DS do require all new patients attend the informational seminar prior to making an appointment with them. For myself, I failed to see why I should go to the surgeon for a surgery consult until I had everything completed to pacify BC/BS so that the surgeons office could submit my pre-approval packet with everything intact. I did not want to give them a "freebie" for a denial due to the lack of completion of the 6-month physician supervised diet (and I cannot stress that you cannot miss a month, the BC/BS rep flat out stated that if you failed to make it to an appointment one month that it would void out previous months as being part of that 6-month diet and you started over at square one). As I said I have not been to the surgeon nor have I received an approval from BC/BS, but from everything I have read and have had confirmed by BC/BS it seems to be very valid information. Good luck on your journey and hang tough with those weigh ins....they are crucial for insurance approval.
Michelle
Highest 242/Surgery 235/Goal 150/Lowest 158/Current 184 (Started working off regain and heading to goal 02/02/12.)
Michelle
Highest 242/Surgery 235/Goal 150/Lowest 158/Current 184 (Started working off regain and heading to goal 02/02/12.)
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"Life is too short not to be happy."
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"Life is too short not to be happy."