Can I be refuse

cajeal
on 2/4/13 10:07 am

If I meet 2 of the requirements like high blood pressure and sleep apnea can my insurance co refuse surgery , wouldn't it be consider a medical necessary then

noftessa0401
on 2/5/13 2:13 am - San Diego, CA
RNY on 12/27/12

What does your insurance policy say?  Each insurance company issues many different types of policies, with each policy stating different requirements for getting WLS. 

Most insurance companies require a certain BMI, a certain amount of time of that BMI history (usually 2-5 years), and some require a diet/program to follow before they will authorize WLS.

Usually the BMI must be at least 40, but if you have co-morbidities (like high blood pressure, sleep apnea, etc.), then your BMI could go as low as 35.  However, if you don't meet all of the requirements your insurance policy dictates, then, yes, they can refuse to authorize your surgery.  Just having the co-morbidities does not make the surgery a medical necessity.

Good luck!

HW: 274 | SW: 232 | CW: 137 | Goal: 145 (ticker includes a 42 pound loss pre-op) | Height: 5'4"

M1: -24 (205) | M2: -14 (191) | M3: -11 (180) | M4: -7 (173) | M5: -7 (166) | M6: -8 (158) | M7: -11 (147) | M8: -2 (145) | M9: -3 (142) | M10: -2 (140) | M11: -4 (136) | M12: -2 (134) | M13: -0 (134) | M14: -3 (131) | M15: +4 (135) | M16: +2 (137)

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