denial from cigna?

Tomorrow marks my 2nd week waiting for my approval.

I received a letter in the mail today from CIGNA saying I was denied.  In the letter it states that I must be 18 years or older (I'm 27), a BMI over 40 (which I have), and must have at least one co-morb (mine is sleep apnea).  I also followed thru with their requirement of 6 months of supervised diet and exercise. 

I spent months going for all the necessary testing (sleep, pulminary, ultrasounds, egd, etc.). I even had my PCP write a note saying she's been seeing me since 1999 (I was a freshman in HS) and that I have struggled with obesity for years.  It said that I had been seen for help regarding weight loss many times in the past and this was my last step. 

I WAS EFFING DENIED?!?  How in the world can people smaller than me be approved with one or ZERO co-morbs?  Or people on Medicade???  I work hard and I pay for my insurance...I was even PRE-APPROVED at the beginning...

Obviously, being that its 8pm here, my surgeon's office is closed, what can I do?  The insurance co-ordinator has a 98% success rate for approvals (or something crazy high), do I wait to talk to her?  Do I have to dispute this?  I want to cry.  I'm just so upset.  I've waited since last March for this, and now they're saying NO?!?  Now that the holidays are here, I just know it's going to be even harder  :( :( :( 

I just want my life back.  I want to walk up stairs without being winded, go shopping with my friends, be a "NORMAL" 27 year old. 

My heart is broken.  Suggestions?

Did CIGNA require a 3 or 6 month diet plan. If so that's what your missing from reading your post.

Are you actually using a C-Pap? Meaning, were you diagnosed with mild sleep apnea not requiring treatment or was it severe enough they gave you a C-Pap to use every single night?

Hey girl, I feel for you because I am in the same situation. I waited over a week just to get denied by Cigna. Keep your head up though and keep the faith that this isnt the final answer. I will keep you in my prayers as we make our way through this temporary situation and end up on the loser's bench.

OMG.  I finally got my approval a week ago....It took me 3 weeks to get the approval--and then I find out it as the WRONG approval.  Cigna said my hospital was "out-of-network."  I've been waiting since November 9.  I've been going thru all of this since the end of April!  I've done EVERYTHING Cigna wanted me to do.  The sleep studies, the pulminary tests, the bloodwork, ultrasounds, the 6 months diet and excercise, the psych evaluation....This is insane!  I just don't understand how I could hold up my end of the bargain...and them **** on my heart! 

Ummm according to their website AND when I got my pre-approval, everything was all set! 

Today I spoke with my insurance coordinator (I was in Vegas when I got the letter saying that it was out-of-network this weekend) and she said she'd handle it. 

She called me after having it fixed, but it makes me a little nervous since it's not in writing.  I was supposed to pay what was left of my admin fee, my optifast, and get my date today, but I want to know FOR SURE what to expect. 

We'll see....

good luck to you!