Question:
My appeal letter was denied.....

but no one at the insurance company can tell me exactly why... the only thing that I have been told is that after their doctor reviewd the request he said I didn't meet the criteria either... I have asked to speak with a supervisor (who happens to always be on the phone or away from her desk) so get some answers but have gotten no where. I must say thought that the insurance representatives that I have spoken too have been very nice.. just not well informed. So my question is two fold.. what do I do now? Or should I do nothing? My insurance carrier will change to United Health Care Select Premium HMO on January 1, 2001.. should I just let Blue Choice "win" or should I fight them to the end?? Has anyone else had any luck with United Health Care? I am reallllly nervous about this.. I am afraid they will turn me down too! Please send me your comments ;) Audra    — audra H. (posted on December 20, 2000)

December 20, 2000
You need to find out quickly why they turned you down. Call your PCP office and see if they will call for you. I don't know what to tell you about United Healthcare HMO, but I have the PPO plan and am waiting on the hearing date on my second appeal. Last I heard was UHC put an exclusion in ALL of their policy's for obesity and morbid obesity. That may just be in Missouri and not other states. Good Luck!!
   — richter454

December 20, 2000
I am so sorry that you're having all this trouble Audra. The more research I do the more ridiculous it seems that any insurance company would deny this coverage. I, too, am having trouble with BlueChoice and I think I would continue to fight them just for gp (general purposes). Like the other person mentioned, there may be someone else out there you could be paving the way for...good luck!
   — Sharon R.