ups/cigna insurance

Is anyone a employee or spouse that has Cigna Insurance with UPS? When i call to talk to someone at the insurance company to see if the surgery is approved I have gotten yes, no, yes, no so many times that I just don't know what to believe. I got the new "book" that describes what is covered and it says that is it covered when medically necessary but I still just have that uneasy feeling that I will be denied?

I have Cigna.. I work for Wachovia, I had to have a 6 month dr directed diet and it had to be medically necessary. I have no comorbilitys but my BMI alone was enough for that. I was approved. The dr submitted to them on 3/16 and by 3/26 I had my approval letter. I was shocked that I heard so fast, and like you, I thought I would be denied. But her I sit with a surgery date of 4/25.

i just had my 3 month check up last week so i am having to do the same thing. i just hope they approve it the first time.

From my expereince w/ Cigna is if your BMI is 35 - 40 you have to have one major co-morbidity. If your BMI is over 40 then that is all you really need. However...Cigna does require a 6 month diet. So if you are wanting to presue it go ahead and start your supervised diet w/ your PCP. For if it's covered or not...if it's covered it will always say if medically necesary. When it's not covered it will say "sugrical or non-surgical treatments of morbid obesity is covered." You can call them and ask the if CPT code 43644 (gastric by-pass) or CPT code 43770 (lap-band) is covered. Good Luck!!!

If they say its not covered "unless medically necessary" then it is covered... should be under the "not covered" section of your benefits book but followed by those 3 words that make all the difference. They do require the 6 month supervised diet so get started on that ASAP!

I have Cigna Ins. but with Centex Homes. It is not covered under my plan except when you meet their requirements .... BMI over 40, 5 yrs. of medical documentation showing your overweight, 6ms. straight doc. supervised diet, nutriention elevation. As someone else mentioned... call them back and ask them about the codes. Also, find out exactly what their exception requirements. Oh.... and yes, go ahead and start your 6ms diet with a doc. Don't miss any visits. They want straight visits. I got held up and had to go back and do another round. I finished it in January and within a couple of days had my approval. My surgery is next Monday.... Yippee! Good luck and don't give up. The outcome is worth the wait and fight. Leesa