Does anyone have United Healthcare PPO......
I have UHC-PPO and although my doctor submitted all of the paperwork, I know that they sent in a letter detailing my need, medical history, 5 year diet history and "mini-psyche" evaluation. Although they do not require a referring physician for this type of policy, I had my family doctor refer me to the surgeon and we sent in his letter too.
The result: I was denied. I have sent in an appeal. They said it was an exclusion listed in my policy, but the policy exclusion really says "weight control or treatment UNLESS there is a diagnosis of morbid obesity."
Be prepared! I wasn't at all prepared for this denial. I meet all of the criteria.
Hopefully, someone with a heart will understand how ill I am from my obesity and push this through for me.
Best of luck to you! I don't want to discourage you--just be ready incase the same happens to you.