Question:
anyone w/ bcbs fl ppo blue choice told you had you had to wait 1 year ?

Even if you dont have pre existing i have had all my ins. info. sent last week and they told me on the phone yesterday that I have to wait for 1 yr. which will b july 31,3003 because of pre existing clause but i know i have not seen a dr. or any one for way over 6 months before i had the policy and so i dont have pre existing and would not have to wait 1 yr. the first rep. told me ihave to have the policy for 1 year bfore they can do pre approvals for surgery then i spoke w/ another rep. and she told me that it is because somewhere some dr. said they seen me with in the 6 months before i had the policy i told her i know for a fact i did not see anyone at all talked to anyone about anything for my weight or even been to a doctor at all for anything only about 1 yr. and a half before i had the ins. she told me she was going to find out what is going on and call me back in a few days .. did any one else have this problem even if you have not seen anyone in the 6 mths. preexisting did you have to wait for 1 year any help would be appreciated thank you.........    — marie M. (posted on March 29, 2003)

March 29, 2003
Did you have another policy before you got this one? If you've had other insurance within 63 days before this one went into effect, they can't use pre-existing conditions clauses to deny you coverage. Also, I think pre-existing conditions usually apply only if you have seen a doctor about the condition in the previous year.
   — garw

March 29, 2003
I have BCBS PPO, and had the opposite problem. They required that I saw a doctor before they would allow the surgery, in order to be on a prescribed diet regimine. I only had to do this for a couple of months, and then they approved th surgery. I am now one month post-op. I would look into their grievance procedure. I thought that I was going to have to do this, and I was planning to have an attorney back me up. It would have cost $850.00, but it would have been worth it. Luckily, I didn't have to do this. I think the attorney's name was Walter Lindstrom. Look under bariatric surgery+attorney on the net, and you will find him. Good Luck! Jane
   — Jane T.