I'm a little confused

Carrie20071
on 12/3/07 9:15 am - Carrboro, NC
I have a question for those of you in the know... I have my first consultation with the surgeon on Dec, 26th. I've been trying to gather everything required for the insurance as far as paperwork. I do know that BCBS of TX (TRS Active Care) requires 6 months of supervised diet history. Anywho...I got a packet from the surgeon's office stating that the 6 months have to be continuous. When I talked to the person answering the phone at BCBS, she said that she didn't think it had to be continuous. I'm posting a copy of the policy here:

C. It is expected that appropriate non-surgical treatment should have been attempted prior to surgical treatment of obesity.

Non-surgical treatment of morbid obesity appropriateness criteria:

  • Medical record documentation of active participation in a clinically-supervised, non-surgical program of weight reduction for at least 6 months, occurring within the twenty-four (24) months prior to the proposed surgery and preferably unaffiliated with the bariatric surgery program. NOTE: The initial BMI at the beginning of a weight reduction program will be the “qualifying” BMI used to meet the BMI criteria for the definition of morbid obesity used in this policy.
  • A program will be considered appropriate if it includes the following components:
    1. Nutritional therapy, which may include medical nutrition therapy such as a very low calorie diet such as MediFast or OptiFast OR a recognized commercial diet-based weight loss program such as Weigh****chers, Jenny Craig, etc.
    2. Behavior modification or behavioral health interventions.
    3. Counseling and instruction on exercise and increased physical activity.
    4. Pharmacologic therapy (as appropriate).
    5. 5. Ongoing support for lifestyle changes to make and maintain appropriate choices that will reduce health risk factors and improve overall health.

So,  I'm thinking that the six months doesn't have to be continous. Is that right? The reason this is a big deal for me is that I'm hoping to have surgery during Spring Break. With my WW records and the appts that I've set up with my PCP, I should reach the 6 month mark in Feburary. Any clues as to how this works?

 


 

bmbutler
on 12/3/07 10:46 am - Winterville, NC
The way I read it it clearly says for at least 6 months you had or have to be on some sort of recognized diet.  I would not take the word of the person at the insurance company at all.  The person deciding your case will go by the medical policy.  Your Drs. office should also be familiar with your insurance requirements.  Good luck!


LSteph
on 12/3/07 10:58 am - IL
I have BCBS of IL and their policy has the exact same language. They require that the 6 month program has to be continuous, and you have to have documentation by a health care provider at least once a month during the 6 months, and each month has to contain something about each of those 5 components.  If you aren't going to a doctor or APN who is intimately familiar with the insurance requirements, I would absolutely make sure they are documenting this along the way by asking for a copy of their documentation each time you go, or create your own that fulfills this requirement and ask them to sign it and place it in your medical record. BCBS of IL has been sticklers about this documentation...even though I met all requirements and went through a BCBS Center of Excellence, I still got a denial letter and had to go through the appeal process. I know this may not be what you want to hear, but I wish I had known this up front. Good luck to you!! You're on the right track by knowing the policy up front!
its_my_time
on 12/3/07 11:10 am - IL
I'm BCBSIL and it had to be 6 consecutive months.  Wi**** didnt or I would have beeeeen approved. Go with your doc office they usually know best. BCBS is very strict -Tamika

Ms. Mika is FINALLY A LOSER!


"
Beloved, I wish above all things that thou mayest prosper and be in health, even as thy soul prospereth." 
John 1:2

Carrie20071
on 12/3/07 11:17 am - Carrboro, NC

Hmmm...well, I guess you're right. It's not what I want to hear, but it's reality. I pretty much told my PCP what to write. However, I do think I will follow the advice of writing the documentation myself and asking her to sign it. However, I'm still going to gather up the information from WW. Couldn't hurt. Sheesh...I wish these insurance ppl would spell it out very clearly because I interpreted it as not having to be continuous...just 6 months documented within the 24 month period prior to surgery. Being forwarned is great though. Thanks

 


 

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