Question:
Has anyone had BCBS of MN (traditional) approved them for surgery in MI

I live in Michigan, but my employer is based in Minnesota and we have BCBS of MN. How is insurance handled from one state to another?    — patti L. (posted on April 15, 2003)

April 15, 2003
Patti, I live in Iowa and have BC/BS of MN and am having surgery in IL. I have the PPO plan. From how I understand it, each state contracts directly with the doctors in that state. and each state's BC/BS works with hte other states. Once I see a doctor in the PPO network (in this case IL) the doctor's office send the claim to the BC/BS of IL company, who in turn can tell by my group ID that I am a BC/BS of MN customer. They then send the claim to MN for processing. I don't know if this will help since you stated you had a traditional plan. - Janine
   — jmusser

April 15, 2003
Patti, I live in Alabama and work for a company that is based in MN. I have BCBS OF MN and BCBS of Alabama administers the policy for BCBS of MN. I just got approved for surgery. My surgery date is May 16. Hope this helps you. If I can be of any help, plese let me know.
   — Gene F.

April 15, 2003
I have BCBS MN PPO. I had surgery on the 4th in Ohio. I understand the precertification takes places in MN but the contracting of network doctors/hospitals is handled by the local BCBS affiliate. I must say the customer service was the best of any insurance company I have worked with. Only down side was that it took nearly 3 weeks after approval for the letter to arrive.
   — Kevin M.