Brachioplasty Appeal Denied
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I have Lipedema and Lymphedema. I also have a passion for Obesity and Health Insurance Advocacy.
Blog: born2lbfat.com Facebook: Born2lbFat Twitter: @born2lbfat
I have not read the original post so I am just going by what you wrote here and your pictures. The pictures document that you have a lost of excess skin but the removal would be cosmetic if you did not have a medical condition, like rashes to support the claim. Based on the denial, it sounds like that is what the insurance company is saying. So, in addition to showing the excess skin you need to support the medical reason for the surgery with doctors notes showing rashes or other skin problems for typically three months or longer. You should also save copies of your pescriptions.
Please don't take this wrong, as I am trying to help, but I would not take the approach of, "look at this excess skin and how can they deny me" you should say, because of this excess skin I have the following medical conditions that are supported by XX visits to my doctor, my doctors notes and surgery recommendation as the only hope, and XX pescriptions that did work and here is the proof I had them filled and used them for the required three months (or however long the required time is by your insurance company). If you do not have rash or skin issues push whatever medical condition the excess skin is causing. Bottom line is that the insurance company will only cover medically necessary and perhaps not that they don't care but will not cover unless you can prove medically necessary and the burden is on you to prove it. I was denied for RNY with Aetna but won on appeal. I hope to get approved for a panni in the next few months and will be facing the same issues. I have been doing a lot of research of this subject.
Jim Randall
I have Lipedema and Lymphedema. I also have a passion for Obesity and Health Insurance Advocacy.
Blog: born2lbfat.com Facebook: Born2lbFat Twitter: @born2lbfat