Questions on Interpreting Insurance Policy Lingo (CIGNA)

Has anyone else dealt with CIGNA?  I am working on getting together the information for the weight management program.  The clinic I am working with wants it to have consecutive 6 months.  The policy states it needs to be at least 6 months without significate gaps.  The Clinic says that CIGNA is very strict with this portion of the requirements.  When I speak with CIGNA, they tell me to still with what the policy states.  They do not really have a definition of significate gaps.  Also, the clinic wants more data then what is stated in the policy.  The policy asks for weight, diet and exercise.  Calling CIGNA and they say that is all they need.  But again the clinic is telling me they need very detailed information such as notes on discussions (with the doctor and noted by the doctor) on why I am overweight, what triggers eating and so on.  The clinic keeps trying to get me to start a new 6 month program with one of their people. 

So...do we think that the benefits people at the clinic know what they are talking about or do the people at CIGNA? 

Has anyone else worked with getting their surgery approved through CIGNA?

After doing more research, I did find more info here on CIGNA.  Looks like I have a long hard road ahead of me!!!

 CIGNA SUCKS. I get a different answer every time I call. DOCUMENT EVERYTHING, especially names of who said what. Ask for a copy of your policy and post it here- someone can surely help. I have CIGNA now but did not when I got my band in 2007. I am trying to revise and CIGNA is just unreasonable. You have a fight on your hands, but you can win!. Good luck!

 I have Cigna too, but my doctor said my plan had an exclusion...He didn't want to even help me appeal it.  I spoke with one worker with Cigna and was told It could be covered with a doctor stating it is medically necessary.  I explained this to the doctor I went to see last saturday and he said NO, If it has an exclusion your out of luck.  I'm sorry your having a hard time, and I'm thinking I need to find another doctor that will want to help me.

Read your policy carefully. My CIGNA policy specificall excludes bariatric surgery UNLESS it is medically necessary. Read it with a magnifying glass. I also had to convice a doc's office that I do have coverage. Send the doc the paragraph that says bariatric surgery is excluded EXCEPT when medically necessary. I think Cigna hopes that we will just read the first part and give up.

I have cigna. All I have found and been told by them is the info on the website. 6 Months (June, July, Aug, Sep, Oct, Nov 1st should do right?) and the other requirements. Doesnt seem too bad and in reality my surgeon requires more than that. I am wondering now if I am reqindg it wrong as it seems cut and dry to me.