OMG denied AGAIN! Desperate and need HELP!!!!
Hello,
I desperately need HELP! I was denied again by BC/BS and I have no idea what I am doing WRONG! In my first appeal letter I elaborated on my medical history, why the revision surgery is a medical necessity and why I disagreed with the denial. I even went into how cost effective it would be to approve the revision surgery. Because in the long run, the insurance company will end up paying much more on my care as my weight increases and it will increase without the revision surgery.
According to BC/BS there is nothing wrong with my pouch so a revision is not necessary. Their decision is based on an endoscopy I had more than a year ago and I have gained so much weight in the last year. The pouch may not have changed, but the stoma must be larger. OMG! OMG! OMG! This is driving me NUTS!
This time around I really don't know what to do! I will not give up and will continue to fight this. Is there anyone willing to share an appeal letter that was successful for them? I REALLY REALLY REALLY need help/advice!
Thanks!
Y.
I desperately need HELP! I was denied again by BC/BS and I have no idea what I am doing WRONG! In my first appeal letter I elaborated on my medical history, why the revision surgery is a medical necessity and why I disagreed with the denial. I even went into how cost effective it would be to approve the revision surgery. Because in the long run, the insurance company will end up paying much more on my care as my weight increases and it will increase without the revision surgery.
According to BC/BS there is nothing wrong with my pouch so a revision is not necessary. Their decision is based on an endoscopy I had more than a year ago and I have gained so much weight in the last year. The pouch may not have changed, but the stoma must be larger. OMG! OMG! OMG! This is driving me NUTS!
This time around I really don't know what to do! I will not give up and will continue to fight this. Is there anyone willing to share an appeal letter that was successful for them? I REALLY REALLY REALLY need help/advice!
Thanks!
Y.
(deactivated member)
on 8/4/12 4:00 am - Wiesbaden, Germany
on 8/4/12 4:00 am - Wiesbaden, Germany
DS on 10/08/13
Get another endoscopy as well as an Upper GI which is NOT performed NPO. Something is clearly wrong.
Also, you may want to look into self pay for revision. After fighting with my insurance and them telling me they would approve the revision, they disapproved it AGAIN with the caveat to come back in three to six months. After reviewing the financials, my surgeon and the hospital I am using are charging me PRECISELY what my out of pocket expense would have been anyway. Take a look at dollars and cents/sense if you get nowhere with your insurance.
Also, you may want to look into self pay for revision. After fighting with my insurance and them telling me they would approve the revision, they disapproved it AGAIN with the caveat to come back in three to six months. After reviewing the financials, my surgeon and the hospital I am using are charging me PRECISELY what my out of pocket expense would have been anyway. Take a look at dollars and cents/sense if you get nowhere with your insurance.
Thank you very much for responding! Yes, I am going to have another Upper GI done and I am not giving up! This whole process started a little more than a year ago and I can't believe my doctor didn't request a new Upper GI before he submitted my paperwork to the insurance company. it didn't even occur to me to request a new Upper GI because of all the other requirements I was trying to fulfill.
If BC/BS denies me again, I will think about paying out of pocket.
If BC/BS denies me again, I will think about paying out of pocket.
check this out they have a letter here.
http://www.obesityhelp.com/forums/revision/4548112/If-your-h aving-Lap-Band-problems/
It's geared for lap band failure but, has losts of useful info on documenting too.
http://www.obesityhelp.com/forums/revision/4548112/If-your-h aving-Lap-Band-problems/
It's geared for lap band failure but, has losts of useful info on documenting too.
(deactivated member)
on 8/5/12 8:50 am - Wiesbaden, Germany
on 8/5/12 8:50 am - Wiesbaden, Germany
DS on 10/08/13
You may need to join a group. I'm not sure if it's okay with OH's current TOS to tell you the name of groups anymore but if you go to the aqua top band and select groups, it begins with Failed.