Anthem BC/BS - won't add WLS rider unless you have 100+ employees????

Cathy614
on 6/16/08 6:45 am - Viera, FL

I just spent numerous hours researching and writing a letter to DH's HR dept. to ask them to add WLS to their insurance.  Got all my facts and statistics lined up, outlined my health issues due to MO and how it affects my daily life & my family, yada, yada, yada....  The HR person sent the inquiry to their insurance sales contact at Anthem BC/BS and they said this option is not offered to companies that employ less than 100 people.  DH's employer has probably less than 25 employees.  I am sure I would not be the only person within the company to consider using this rider.  Has anyone else every heard this before??? I am so upset!  WLS used to be covered until about 3 years ago and then Anthem BC/BS dropped it. Has this happened to anyone else?  And were you able to fight it? Any help appreciated. Cathy

Vicki Browning
on 6/19/08 2:39 pm - IN
Cathy because your hubby's employer has less than 25 employees Anthem writes up individual policies for each employee and on individual plans there is no WLS coverage available to small employers such as your husbands.   They do however offer it to Large group employers I know it doesnt seem fair but its due to cost containment and to keep the overhead lower, premiums at a lower rate.  Even if it was covered the premiums would probably be through the roof and the other employees would probably protest about the higher premium.   You will not be able to fight it at all.   Most insurance companies that seel policies to employers with 25 employees are less do not have WLS riders.    Here is some Florida state facts on WLS 

In January 2005, Florida-based insurers, led by Blue/Cross Blue Shield of Florida, began a disturbing trend by eliminating insurance coverage for obesity management services including bariatric surgery (weight-loss surgery). The OAC believes that this decision negatively impacts the quality of health and life of Floridians by denying them access to needed medical care.  Obesity is a complex disease that requires treatment. The medical treatment of obesity decreases mortality, improves or resolves obesity-related illnesses and improves quality of life.  Denying patients and their physicians proven options for treatment is an ill-advised, short-term economic decision by Blue Cross/Blue Shield and the other Florida-based insurers that endangers the long-term health of many Floridians. 

Call to Action

The OAC requests that you educate your state legislators, key state officials, health plan medical director and employer (through your benefits manager, human resources department and/or union representation) about the importance of insurance coverage for weight-loss surgery and obesity management services. This issue is very important.  Everyday, we read about the impact obesity has on our society, and now it is time for those affected by obesity to come together and demand improved access to treatment in Florida.

What can you do to advocate?

Anyone can be an advocate.  Here are a few suggestions on what you can do.

  • Share this information with family, friends and support groups and encourage them to get involved. The more individuals involved, the stronger our voice.  Feel free to make copies of this guide, call the OAC National Office at (800) 717-3117 for additional copies or you may download an electronic version to send via e-mail by clicking on the PDF link at the top of this page.

  • Write, e-mail, visit or call your legislators and other key officials listed in this guide.

  • Let your employer and insurance plan know about the need for bariatric surgery and obesity management coverage by contacting your benefits manager, human resources department, union representation and/or health plan medical director.

  • Keep the OAC informed of your actions.  Did you write or e-mail your legislator?  Did you post a link to this guide on your Online support group?  Let us know by mailing or e-mailing us a copy of your letter or message. 

Who should I send my letters to?

The OAC has targeted the following Florida officials and legislators. Officials with an * should be targeted by those seeking to improve access for state employees. In addition, we encourage you to contact your district legislators. To find your local legislators, visit www.obesityaction.org

Governor Charlie Crist Office of the Governor The Capitol Tallahassee, FL 32399-0001 Phone: (850) 488-7146 Fax: (850) 487-0801 [email protected]

Secretary Ana M. Viamonte Ros M.D., MPH Florida Department of Health 4052 Bald Cypress Way, Bin # A00 Tallahassee, FL  32399-1701 Phone:  (850) 245-4321 Fax: 850-922-9453 [email protected]

Chief Financial Officer Alex Sink Florida Department of Financial Services 200 East Gaines Street Tallahassee, FL 32399-0300 Phone: (850) 413-3100 [email protected]

Senator Bill Posey Chairman, Senate Banking and Insurance Committee Senate Office Building Room 420 404 South Monroe Street Tallahassee, FL 32399-1100 Phone: (850) 487-5053 posey.bill.web@ flsenate.gov

Senator M. Mandy Dawson Chairperson, Senate Health Policy Committee Senate Office Building Room 410 404 South Monroe Street Tallahassee, FL 32399-1100 Phone: (850) 487-5112 [email protected]

Representative Donald D. Brown  Chairman, House Committee on Insurance 313 House Office Building 402 South Monroe Street Tallahassee, FL 32399-1300 Phone: (850) 488-4726 http://www.myfloridahouse.gov/Sections/Representatives/emailrepresentative. aspx?MemberId=4188&SessionId=54

Representative Aaron P. Bean Chairman, Healthcare Council 200 House Office Building 402 South Monroe Street Tallahassee, FL 32399-1300 Phone: (850) 488-6920 http://www.myfloridahouse.gov/Sections/Representatives/emailrepresentative. aspx?MemberId=4192&SessionId=54

Looking for tips on what to write?

Below, please find some suggested topics, facts, do’s, don’ts and a sample letter.

  • If you are a post-bariatric surgery patient or have participated in an obesity management program, please share in your letter the difference your weight-loss has made in your life from both a quality of life and health standpoint. For instance, if you are no longer a diabetic, you now take a reduced number of medications and/or no longer suffer from sleep apnea.  Your personal story is powerful.

  • If you are a state of Florida employee, please include this information.

  • If you are a Medicaid recipient, please include this information.

  • If you are seeking weight-loss surgery or obesity management, explain your personal preparation, what health complications you are currently experiencing, how they affect your quality of life and the burden placed on you by the exclusion of weight-loss surgery and obesity management services by Florida insurers.

  • If you are a family member or friend of a weight-loss surgery or obesity management patient, detail the difference weight-loss has made in your family member/friend’s life or how much they would benefit from receiving these services.

  • Publicly question why many Florida insurers, including the state employee program, deny access to weight-loss surgery and obesity management services.

Candle
on 6/22/08 10:46 am - Long Island, NY
I'm sorry. I had the exact same problem with Anthem. My employer was supportive and willing to make any insurance changes needed but because we only have about 20 employees it wasn't possible. Good luck. I found a miracle - I hope you do too. I ended up finding a self pay plan (in NY), that my employer paid for, that covered my band. I've now switched back to Anthem to be in the group plan with everyone else.

10cc APS band. 
Placed w/ .5cc's.
Fills: 11/5/07 ... 2cc's & 6/15/10 ... 1.5cc's & 3/25/11 .... 1 cc



H311/S295/G175/  C164

Joely L.
on 6/23/08 12:16 pm - Fort Atkinson, WI

Hi Candle. I too, have the same problem with the UHC Choice Plus of Wisconsin. Because MDH employer has less than 100 ppl, there isnt a policy that will cover the WLS or any kind of WL treatment. I am checking into a rider. I am hopefull, but, very discurraged.  You said you found a self pay plan, that your employer paid for? Can you give specifics on it? If you don't want to post it , can you send it in an email? All feedback is greatly appreciated.  Many Thanks

Candle
on 6/24/08 8:01 am - Long Island, NY

I'm happy to offer info to anyone but as Larissa said - it would only apply if you live in NY. Insurance availability, guidelines, and laws seem to be a little different here.  

10cc APS band. 
Placed w/ .5cc's.
Fills: 11/5/07 ... 2cc's & 6/15/10 ... 1.5cc's & 3/25/11 .... 1 cc



H311/S295/G175/  C164

Larissa P.
on 6/23/08 12:48 pm - Denton, TX
Candle is VERY lucky because she lives in NY, and there are laws requiring insurance companies to offer WLS surgery coverage under certain conditions. If you do not live in NY, I'm afraid her situation will not apply to you.
Duodenal Switch hybrid due to complications.
 
Click! > DS Documents ~ VitaLady.com ~ DSFacts.com ~ OH DS FB
Cathy614
on 6/24/08 12:17 am - Viera, FL

Yes - seems like Florida has alot insurance issues - medical & hurricane

livurlife77
on 7/22/08 2:23 pm - Decatur, GA
I wish I would have known about this small company issue back in May when I accepted a new job at a small company.  I read and heard so much about BCBS of GA and how quickly people were approved.  I was thrilled that I found a company with this plan.  When I called the day I became eligible I found out the news that it was excluded.  I was devastated.  I cried so hard I threw up... and that is just not like me.  I am a graduate student at a state school, and my school insurance excludes it.  My husband is a teacher, and the health plan for all teachers in the state of Georgia excludes it.  I thought I found an answer by getting a job with this company.  Now I've risked my funding status at school and everything because I accepted a job.  This is so disturbing.  I swear I am going to be a lifelong advocate for obesity causes!  Nobody should have to go through this!
Cathy614
on 7/22/08 10:36 pm - Viera, FL
I sooooo wish I had also known about the less than 100 employees policy way back when.  Hubby's insurance renews every July 1st.  Back in Sept. 2007, I finally decided that I was going to do this!  I got a new PCP that supported WLS, I got the full physical, I did a 6 mo. supervised diet with my PCP, went to the seminars by the surgeon I wanted to due my lap RNY. Only had the NUT appt. left to do.   All this for preparation when open enrollment started (June 2008) and we could get the WLS rider added to the insurance policy!  Only to be told that Anthem won't sell the rider to employers with less than 100 employees.  What really upset me was on at least 3 different calls to Anthem - I was told to have my employer add the rider on during the open enrollment.  Talk about frustrating!!!!!!!!!!!

So.... it has been about a month since I received the bad news.  I want - no I need to have this surgery or I am just going to continue on a downward spiral.  I have decided to do a self-pay.  I still have to get a written answer from Anthem as to what they will cover in the way of any complications I may develop after the surgery.  We have a good PPO plan. 

I am looking at going down to Mexico for the surgery.  The doctors keep you in the hospital for about 4 days and then in a near by hotel for another 4 -5 days.  Not like around here where you are kicked out of the hospital after a day or two.  It is going to be pricey, but hey I figure that my health is more important than a new car or new furniture.

You are right about how nobody should have to jump thru all these hoops just to make our life more healthy.
Larissa P.
on 7/23/08 1:34 am - Denton, TX
Good luck to you Cathy.

I am so fortunate that my small company is growing - leterally doubling their employees each year for the past 2 years. This enabled them to finally get the bargaining power with the insurance companies. This year they are putting that to good use and are adding WLS to the plan for 2009!


Duodenal Switch hybrid due to complications.
 
Click! > DS Documents ~ VitaLady.com ~ DSFacts.com ~ OH DS FB
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