Not what I want to hear from Aetna!!! NOOOOO!

(deactivated member)
on 12/8/08 1:19 am - Mesquite, TX
I have a consult on 1/6 thru Aetna's Open Access Plan as that is what my company that I work for is going to be using starting Jan. 1st. I am just about to call it quits and just give up! I emailed the BenefitsVIP Team Lead only for her to respond to me and say these exact words: "Hi Lora, 
I've confirmed with Aetna that bariatric/weightloss surgery is a benefit exclusion and therefore is not covered. "

NOOOOO!!! That is not what I need to hear! I sent her a reply asking her if it was just the plan that my employer is picking or what because I have known several to have Aetna and be covered.

I am soooo discouraged because we have Cigna right now and I was sooo excited about having them because if medically necessary they would cover the WLS, then I come to work and get told that as of Jan. we are switching to Aetna. There was no reason for me to go to the consult under Cigna if insurance was changing. Don't know that I should even bother with going to my consult on 1/6. May be a waiste of time. Advise please??
Blue_skys
on 12/8/08 5:53 am - WI
Aetna PPO and some HMO's pay for WLS. The others do not. Here is the link so you can read up on what does and don't.  Skye
P.S. I'm trying to fight for the sleeve. I have PPO.  They are saying the sleeve is investigational.




www.aetna.com/cpb/medical/data/100_199/0157.html
(deactivated member)
on 12/8/08 6:01 am - Mesquite, TX
Yes the plan that I am going to have is the Open Access Plus Plan (HMO). I was told that the sleeve is investigational as well. That is really my surgery of choice also.

Thanks for the info!
Blue_skys
on 12/9/08 4:29 am - WI



Number: 0157



Policy

Note: Most Aetna HMO and QPOS plans exclude coverage of surgical operations, procedures or treatment of obesity unless approved by Aetna. Some Aetna plans entirely exclude coverage of surgical treatment of obesity. Please check benefit plan descriptions for details.

  1. Roux-en-Y Gastric Bypass (RYGB), Laparoscopic Adjustable Silicone Gastric Banding (LASGB), Biliopancreatic Diversion (BPD) and Duodenal Switch (DS) Procedures:

    Aetna considers open or laparoscopic Roux-en-Y gastric bypass (RYGB), open or laparoscopic biliopancreatic diversion (BPD) with or without duodenal switch (DS), or laparoscopic adjustable silicone gastric banding (LASGB) medically necessary when the selection criteria listed below are met.

    Selection criteria:

    1. Presence of severe obesity that has persisted for at least the last 2 years, defined as any of the following:

      1. Body mass index (BMI)* exceeding 40; or
      2. BMI* greater than 35 in conjunction with any of the following severe co-morbidities:

        1. Coronary heart disease; or
        2. Type 2 diabetes mellitus; or
        3. Clinically significant obstructive sleep apnea (i.e., patient meets the criteria for treatment of obstructive sleep apnea set forth in Aetna CPB 004 - Obstructive Sleep Apnea); or
        4. Medically refractory hypertension (blood pressure greater than 140 mmHg systolic and/or 90 mmHg diastolic despite optimal medical management);

(deactivated member)
on 12/9/08 5:55 am - Mesquite, TX
Thanks. Will check into this.
BETTYSH123
on 12/19/08 9:43 am
HI I JUST GOT APPROVED FROM AENTA BUT IT TOOK ME 6 MONTHS AND 2DENIALS BUT ASK THEM IF THE SURGERY IS A ELECTIVE THATS WHAT I HAD TO DO AND. LIKE I SAID I WAS DENIED 2 TIMES IT SUCKS BUT DONT QUIT
nascar24n48
on 12/8/08 6:35 am
Did you actually look and read a copy of your actual policy. I would appeal anyway as "medically necessary" and send them a certified letter. See the top of my blog for the one I used.  I have read several posts here (and check the insurance forum) of others who got their overturned! Good luck.
(deactivated member)
on 12/8/08 10:25 am - Mesquite, TX
Am I screwed? She emailed me back and said that the policy that was chosen by the company excludes wls.
(deactivated member)
on 12/8/08 6:59 pm - Woodbridge, VA
Check the documents in writing to make sure. Your benefits information should include a section that specifically spells out what the exclusions are.

I have an Aetna HMO, but it is based out of MD, and, from my understanding, all insurance plans in MD have to offer WLS. In the plan, it looks like it used to be an exclusion but was later amended to say it would be paid for if pre-approved by Aetna as medically necessary.
(deactivated member)
on 12/8/08 10:37 pm - Mesquite, TX
I think it is excluded. I am going to call and make sure once I get the actual card.

Thanks for your reply.
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