Insurance experts - please respond!
I have not had a consult with my surgeon yet, although they do have a packet of information which I filled out back in August. They called my insurance themselves a couple of months ago, and were told a benefit was available under the Major Medical portion, which would mean I will have out-of-pocket expenses. I decided to check with my insurance company, Highmark BC/BS (traditional), first, to see if WLS is a covered service. I did not tell them I have been in contact with the surgeon. I have been waiting for an answer on this inquiry since October 30. I call them every Tuesday to check on the processing of this inquiry, and they keep telling me they are attempting to get clarification on it. I have a feeling they will be telling me it is not covered. My policy booklet is very vague, so I have asked them for a letter which explains their position on WLS. I have not gone to our HR department at work, mainly because I am not comfortable with the level of confidentiality that exists in our office. But, I will go to them soon if I don't get an answer directly from the insurance. Also, I have a possibility of picking up my husband's insurance as secondary. He just got it where he works, and it is Highmark Select Blue, which I think is an HMO. Anyone have any experience with them? Would it be worth it to sign on (if they will even accept me)? I don't know what it will cost yet. I'm sorry for the long post, but I'm beginning to feel a lot of frustration, and just want some support and to know that I'm handling this correctly.
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