Insurance, Cash Pay and Financing

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Tiffany82583
on 8/27/13 1:33 pm - CA

Topic: RE: Anthem BCBS - Fast Response!

That is awesome congrats :)

I have them but our employer excludes weight loss surgery boo! Oh we'll, ill just have to explore other avenues.

Stephanie R.
on 8/27/13 12:46 pm - GA

VSG on 09/11/13

Topic: Anthem BCBS - Fast Response!

Just wanted to share a positive story. My doc submitted my packet to Anthem Blue Cross Blue Shield on Monday and we had approval in 24 hours. I kind of feel bad for bad mouthing Anthem previously for other issues ;-)

So, I know it isn't the case for everyone, but thought I'd share for other Anthem BCBS folks!

AllyMomof3
on 8/27/13 10:58 am - Lamar, MO

RNY on 08/21/13

Topic: missouri Medicare part a

My stepmom really wants this surgery however her primary insurance does not cover weight loss surgery and she has Medicare part a only. Anyone have any info on if they would cover it?

Starting Weight: 357 Surgery Weight: 312 Goal Weight 157 Surgery date August 21, 2013 Current Weight 302

KristenRB82
on 8/26/13 12:16 am

Topic: RE: Question about Paying for WLS

It varies from surgeon to surgeon, I'm sure. In my case, I have to pay a "program fee" of $525 up front. This pays for all my labwork, sleep study, stress test, etc.

But then on the day of the surgery I will have to pay about 2k of pocket. My insurance is going to pay the rest.

missycook
on 8/25/13 1:06 pm

Topic: Question about Paying for WLS

This may be a silly question.

Assuming insurance approves me to have WLS...

Do I have to pay the difference from what my insurance approves BEFORE my surgery. Or do they bill me for it afterwards?

Just trying to get my ducks in a row.

Thanks!

Atl_Gadget_Grrl but u
can call me Charlotte
on 8/25/13 10:37 am

VSG on 06/12/13

Topic: RE: Have hit the end off the road

Before you throw in the towel, please consider contacting Kelley or Walter Lindstrom. Let them give you some free advice as to whether there is truly no hope.

Laurie

Sleeved 6/12/13 - 100 pounds lost to get to goal!

sparkle123
on 8/25/13 5:07 am - MI

Topic: RE: Have hit the end off the road

Sorry for replying late! I have not been on in awhile. I ended up calling and they said WLS is excluded from my plan. I feel as if I have hit every possible dead end.

Thank you for the information!

KristenRB82
on 8/24/13 4:09 am

Topic: RE: Tips for newbies who are worried about qualifying for insurance (xpost)

It's through Estée Lauder, whom is my employer. But still UHC. However on mine it states as follows:

"BMI over 40 OR 5 years documentation AND 21 years of age or older."

I truly hope that is the case. It seems to me since I had to call my HR dept to get the website and then log onto it with my social, that this is what my pre-requirements would be. It also states in the beginning of the literature that if there are any other that this one would over rule.

Atl_Gadget_Grrl but u
can call me Charlotte
on 8/24/13 1:03 am

VSG on 06/12/13

Topic: RE: Tips for newbies who are worried about qualifying for insurance (xpost)

I think that would be accurate, yes, since you had to log in. It sounds similar to mine, which had the BMI of 40, 5 years documentation by a physician, AND over 21. Check whether yours is AND or OR for the 5 years history. You don't happen to have your insurance provided through ING, do you? You are only the second person I have met with those requirements.

Laurie

Sleeved 6/12/13 - 100 pounds lost to get to goal!

Maxine1234
on 8/22/13 8:17 am

Topic: Obesity Coverage link

http://www.obesitycoverage.com/insurance-and-costs/am-i-covered/check-my-insurance/item/kaiser-permanente-weight-loss-surgery-criteria

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