Question:
Has anyone gotten approved on BC/BS TRS insurance?

I am unfamiliar with this insurance has anyone gotten approved and if so was it hard to do and did it take long?    — Regina P. (posted on March 20, 2003)

March 20, 2003
I have BCBS/TRS ACTIVE CARE. They were easy to work with. It took about three weeks to get approved. There have been eight of us at our school district that have had the surgery since December 2002.
   — twin94

March 20, 2003
First I'm going to test and see if it will let me post, as I have answered your question twice only to hit the "post" button and it tell me I'm too new to be posting yet!
   — Lisa C.

March 20, 2003
OK! Now we're cooking! TRS will give you no problems in approving this surgery if you meet the medical definition of "morbid obesity." The exclusion in our policy states it must be medically necessary. So, I assume TRS uses the standard "100 lbs. overweight and BMI over 40" as their definition. If you meet those two criteria, or have a BMI between 35 and 40 with comorbidities, it shouldn't be a problem. I don't know anyone with TRS who has been denied for this surgery, but you can look up insurance information on this website as there are several people who have used TRS and been approved. Be aware that TRS will want more than just a predetermination letter from your surgeon. They asked for a copy of my history and physical, and a copy of my initial consultation information. If you can convince your surgeon's office to send this information along with your predetermination letter, you'll save precious time. Once TRS received this additional information, my surgeon's office had the approval letter in hand in 8 working days. TRS staff have answered all my questions professionally and have been very kind. Feel free to e-mail me if you have questions.
   — Lisa C.