Question:
Does anyone have experience with United Healthcare Select Plus POS.
I can't afford to pay out of network expences. If anyone knows a way around this , please, please let me know. Thanks in advance. — Sharon D. (posted on April 24, 2003)
April 23, 2003
UHC will approve unless your employer has an exclusion. If there isn't a
network WLS surgeon within 50 miles of your location they will pay network
benefits to him/her. Good Luck
— Terri G.
April 23, 2003
Sharon, I have UHC Select Plus POS and was approved for WLS in a week. I
went to Bariatric Treatment Center, which is out of everyone's network, and
expected to pay my out-of-pocket maximum of $1500.00. However UHC
negotiated my bill of about $40,000 down to $35,000 and I didn't have to
pay anything. UHC was wonderful - HOWEVER, I'm in the middle of an appeal
process now on reconstructive surgery. Don't know how that will go, but
they were great on the wls.
— scottiemaam O.
April 23, 2003
I have this insurance. I was approved in 9 weeks. My surgeons office said
they are really good about approving but sometimes they are slow about
getting it done. Just keep calling them. I did once a week every week
until I was approved. They didn't request anything extra no extra testing
or anything. I had very few tests for pre-op & none to be approved. I
am grateful I had this insurance especially after some of the stories I've
heard. They also paid very promptly after the surgery was done.
Everything is completely taken care of & it's only been 3 months. I
only paid just under $500 out of pockect. I hope this helps.
— Paula G.
April 23, 2003
I also have UHC Select Plus POS and was approved last Friday for surgery.
My request was sent to them on 4/4/03 and I was approved 4/18/03 and my
surgery is 5/6/03. I have to admit that I called the Care Coordination
department everyday. Finally on 4/17/03, I spoke with a nice customer
service representative and told her when my request was sent in and she
said she would put a priority on it for me, I was approved the next day.
If I were you, I would call the 800 on the back of your ins. card and ask
them for the # for your care coordination dept. and call them and talk to
them about your concerns and what you will have to pay for everything. My
total out of pocket is $750.00, which I am already up to about $300, so the
surgery should only cost me around $450.00 (quite a bargain, I must say).
Good luck.
— Dawn P.
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