Anthem BC/BS - won't add WLS rider unless you have 100+ employees????
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
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. |
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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. |
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Anyone can be an advocate. Here are a few suggestions on what you can do.
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
Below, please find some suggested topics, facts, do’s, don’ts and a sample letter.
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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
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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.
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!
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