CIGNA 80/20

I JUST RECEIVED A LETTER FROM MY INS CO STATING THAT I AM NOT COVERED FOR THIS SURGERY. HOWEVER, WHEN I CALLED THEY TOLD ME THAT I AM COVERED AS LONG AS IT IS MED NECESSARY. I WROTE THEM A 6PG LETTER MYSELF AND FAXED IT TODAY. MY DR OFFICE IS FAXING MY PAPERWORK TODAY ALSO. MY QUESTION IS HAS ANYONE GONE THROUGH THIS WITH CIGNA AND WHAT SHOULD I HAVE READY FOR BACK UP IN CASE I'M DENIED? ALSO, WHAT HAPPENS TO YOUR DR BILLS? I HAVE ONLY HAD ONE VISIT AND THE BILL IS $225.00. I'M SUPPOSED TO GO FOR PRE OP TESTS SOON AND AM WORRIED ABOUT GOING THROUGH ALL OF THIS AND BEING DENIED.BUT I WILL OBVIOSLY NEED THE TEST RESULTS FOR PROOF OF CO MORBITIES FOR APPROVAL. IT JUST SEEMS SO COMPLICATED. IF YOU ARE COVERED AND THEY DENY YOU WILL YOU EVENTUALLY BE APPROVED JUST WITH ALOT OF FIGHTING? I HAVE NEVER HAD A PROBLEM WITH THIS INS CO BEFORE AND HAVE ALWAYS BEEN COVERED FOR EVERYTHING AND THOUGHT THEY WERE GREAT.

We greatly appreciate your interest in helping us build our Q&A database. To discourage vandals from posting garbage, however, we require people to register before posting.

You must be logged in to post an answer. Click here to log in.