Question:
Please help me with my insurance problem I am desperate?

I have bcbs fl ppo They are approving me for surgery only problem is they are saying I have to wait until 8/1/03 because they say I have pre-existing cond. but I dont the state comm. office of ins. was helping me and today I recieved a letter saying from them that bcbs is stating that I sent them in a handwritten document saying I have been treated in look back period but I didnt I know they verified trough my doctors I havent already but they are telling the commisioners office that. I was not treated in look back period but I dont know how else to prove this I have asked supervisor to call me back but they never do .Please tell me what I should TO DO THANK YOU FOR ALL PREVIOUS HELP AND ANY HELP NOW...    — marie M. (posted on June 1, 2003)

June 1, 2003
I am original poster to question and I forgot to mention that my husbands insurance is most likely going to change 8/1/03 because that is when thier renewel is and I spoke to the lady that sells the ins. to my husbands job and she said they are probably changing ins.
   — marie M.

June 1, 2003
umm, you are approved, they said yes you only have to wait 2 months? i would say you are lucky! some insurance compaies do not pay for wls period, i waited 6 months and had to appeal 3 times before i was finally approved! and my bmi was 64 with many comorbidites. 2 months is not all that long when oyu see the wait others have done. it gives you the time to loose a bit now and get healtheir, increase your exerciseand protein, so you will heal better and faster. i wish you happy days and good luck with your wls.
   — janetc00

June 2, 2003
You have to wait a year- period. The very nature of morbid obesity requires it to be pre-existing. There's nothing you can do to change that. You just have to wait. If your policy is less than a year old they will question any surgery and blame it on pre-existing. You're lucky they don't try and cancel your insurance before then make sure that your premiums are on time!
   — Kimmie C.

June 2, 2003
Do I have this right? They say they have something you wrote that says you have a pre existing and you say you didn't write such a thing? I would ask for a copy of this document. I understand your despiration with insurance changes. You may want to contact a lawyer. Good luck.
   — Sunny S.