Question:
What specific guidelines does Cigna HMO in Nashville use to determine

Also, being that I haven't actually joined yet, how long should I wait before asking Cigna to approve this operation? Thanks in advance for any info!    — David H. (posted on February 5, 2001)

February 5, 2001
If this insurance coverage is through your employer you can request a copy of the benefits they cover before switching or joining. Most insurance companies/physicians use the standards set by the National Institute of Health, which I believe includes a BMI over 35 or 100 lbs over your ideal weight. If you have comorbidities such as high blood pressure, diabetes, sleep apnea, arthritis, etc...that adds fuel to your case. Good luck!
   — Sharon R.

February 6, 2001
I changed insurance carriers during my company's open enrollment in November 2000. It became effective January 1, 2001. My pcp requested the referral to the surgeon on 1-4 and it was approved immediately. So far they have covered all the pre-op testing with no problem. My next appointment with the surgeon is to set a date and I don't anticipate any problems. So, I would say, go for it as soon as you can. The coverage should be the same 2 days after your enrollment as it would be 6 months after. Good luck.
   — cheryl R.