Question:
Approval with Morris Associates/Encore

I have Morris Associates/Encore insurance in Indiana. Does anyone have any knowledge on how hard it is to get approval for WLS with them? I have talked to the insurance company and they stated it has to be medically necessary. My PCP is going to write me a letter of medical necessity and I will have my surgeon write one after I meet with her. I just wondered if I should do anything else to help this get approved quickly. I would appreciate any help you could give me.    — Tonya B. (posted on June 13, 2003)

June 13, 2003
Hi.... I had Morris Associates/encore through my husbands employer. The insurance was actually a third party, if that makes any sense to you. I'm not very good with all this insurance stuff!! I called them before sending in for approval and they told me it had to be medically neccessary also. I sent in all the paper work and they denied it stating they had an exclusion. I appealed and lost again. So i picked up insurance through my employer and they paid. I would just suggest to check your policy and not take someone's word for it. I really had my hopes up and then they came crashing down with that denial! Good luck to you
   — kimmykim1968

June 14, 2003
I had Morris Associates. My husband works in Middlebury Ind. They are a company owned insurance co. They approved my WLS surgery the first time and paid very well. I had to have a referral letter from my family doc. I had a pscy exam, and they had me write a letter of my different weight loss attempts. But I had no problems, but I know different companys have different policies. Hope this helps a little. Good Luck.. My surgery was 2 1/2 yrs ago.
   — Rebecca F.