Primary Secondary Insurance Question

I'm scheduled for surgery at the end of the month. I was denied by Cigna who I provided all documentation to but they wanted additional diet information although I provided them with it. The Drs. office also sent the claim through my husband's insurance Anthem and they approved it BUT they approved the surgery BEFORE I got the denial letter from Cigna which is through my job which from my reading makes them my primary. The surgery coordinator tells me everything is fine and I'm good to go but I don't want to end up with a bill for thousands of dollars. She said all she needed was the denial letter from Cigna. My question is this correct or am I obligated to try to provide Cigna with additional information for approval (the additional supervised diet) also and delay the surgery? The office manager states the letter I have now is enough (although Cigna requests I do another diet and that I have not proven medical necessity.) She stated that she was attaching the letter from Cigna to my claim with the approval letter from Anthem and that it would be fine. I just don't want Anthem coming back to me stating why didn't you do the additional diet plan? Anthem's only requiement is your BMI is 40+ which of course I have The office manager thinks I'm getting whacko because of my nerves and she is probably correct All you benefit Gurus please help me out - your assistance is greatly appreciated!

I personally think that Anthem will want you to exhaust appeals with Cigna before they will pay as primary on your case. So I think you would be very wise to discuss it with them before assuming they are going to pay. Plus, if Cigna does pay as primary, Anthem should pick up any leftover charges, so you should have no out of pocket that way. Good luck to you.

Hi, I am so sorry to hear about your luck with cigna, I too have cigna and they are horrible, I have been denied 3 times and have gotten them everything they want . I hope you have better luck with them....your in my prayers.