Question:
5 years proof of MO- missing a year in between
my insurance wants proof of 5 consecutive years of proof of MO, I switched dr's in 2005-I have records for 2004-2008, but old dr.;s records show I didnt have weight measured in 2003 ,so they gave me 2002. I have 2002, 2004-2008 but no 2003 will this disqualify me???All years show MO. — suz46 (posted on November 30, 2008)
November 30, 2008
I would try it anyway, but I'm confused. If you have 2004, 2005, 2006, 2007
and 2008, that's 5 yrs.
— Teresa V.
November 30, 2008
I had the same requirement with BCB of IL. I did an Excel graph to show my
consistent obesity from the first date I had to the current. Even if I was
missing one of the years, it showed that not much had changed from the
start of the five year period to the end. They have to assume your weight
was still over the ideal BMI for that missing year. It worked for me for
eventual approval.
— krs2009
November 30, 2008
You should not have any problems with the info you have since you have from
2004- 2008 tha is 5 years......they just want to see your weight for those
years please dont worry everything will work out
— sawwas
November 30, 2008
You have proof of five years of MO....this is good enough.The fact that 1
years is missing shouldn't matter. Common sense should show anyone that the
weight did not happen over night or in 1missing year. Good for you. I hope
they approve you and you get your date soon. Get us posted.
Debra P.
— Debra P.
November 30, 2008
Strike first write a letter of explainion, if you showed MO in 2002 you
should be ok. Also think back did you go to any specialist that year?
— dc10pilotswife
November 30, 2008
You should definitely be OK...I bet you there will be no problem....who is
your insurance company, I had aetna and had no problem
— Anglesea
November 30, 2008
Unbelievable Sue but do all insurance companies work like this?
In Europe in countries like Belgium, Holland France and Italy they don't
have less though guidelines. Why don't like to your present situation and
what is the use of looking 5 or even 6 years back. They must know that they
pay much more for medications, medical treatments if they don't finance the
surgery. I wish you good luck
— [Deactivated Member]
November 30, 2008
Hi Sue!
In my case, it was my Primary Doctor that had to verify prior weight loss
in a recommendation letter. It was first reviewed by my surgeon's office
and then sent to my insurance company. I moved around a lot and changed
doctors and it was fine. Just present what you have to your current doctor
and you should be fine. Also, ask your Surgeon's office if they have a
sample recommendation letter. I presented that letter, and my medical
history to my primary care doctor of less than 2 years and she wrote a
letter of recommendation based on that info. It was a breeze.
Good luck.......!!
LisaRae
— Fircrkr64
November 30, 2008
Looks like you have 5 yrs. proof. But if not, just get weighed in Jan. of
2009 and that's a different year!
— AprilJM
November 30, 2008
I have BCBS and was missing a year as well. They asked me to find a photo
of myself that year and have my PCP estimate my BMI in a letter, which was
attached to the photo and submitted to BCBS. It sounds like you've got all
the info you should need, though. HTH.
— Anita D.
November 30, 2008
I had a period of time that my PCP did not weigh me as well. However,
along with the doctor info, I sent in a detailed letter explaining all the
diets I had attempted, with both my starting and ending weights.
Additionally, I wrote sort of a "plea" letter for the insurance
company talking about my helath concerns and how those concerns would
eventaully cost them lost of $ if the surgery did not happen. If you need
additional help, feel free to contact me.
— Michelle M.
December 2, 2008
I was able to give them a photo from the year I was missing and the
insurance company accepted that.
— Melissa D.
December 2, 2008
My insurance (BCBS) accepted 3 years worth of pics with no problem.
— snickersblk
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