Question:
CIGNA 80/20

I JUST RECEIVED A LETTER FROM MY INS CO STATING THAT I AM NOT COVERED FOR THIS SURGERY. HOWEVER, WHEN I CALLED THEY TOLD ME THAT I AM COVERED AS LONG AS IT IS MED NECESSARY. I WROTE THEM A 6PG LETTER MYSELF AND FAXED IT TODAY. MY DR OFFICE IS FAXING MY PAPERWORK TODAY ALSO. MY QUESTION IS HAS ANYONE GONE THROUGH THIS WITH CIGNA AND WHAT SHOULD I HAVE READY FOR BACK UP IN CASE I'M DENIED? ALSO, WHAT HAPPENS TO YOUR DR BILLS? I HAVE ONLY HAD ONE VISIT AND THE BILL IS $225.00. I'M SUPPOSED TO GO FOR PRE OP TESTS SOON AND AM WORRIED ABOUT GOING THROUGH ALL OF THIS AND BEING DENIED.BUT I WILL OBVIOSLY NEED THE TEST RESULTS FOR PROOF OF CO MORBITIES FOR APPROVAL. IT JUST SEEMS SO COMPLICATED. IF YOU ARE COVERED AND THEY DENY YOU WILL YOU EVENTUALLY BE APPROVED JUST WITH ALOT OF FIGHTING? I HAVE NEVER HAD A PROBLEM WITH THIS INS CO BEFORE AND HAVE ALWAYS BEEN COVERED FOR EVERYTHING AND THOUGHT THEY WERE GREAT.    — nikki R. (posted on April 10, 2002)

April 10, 2002
I use CIGNA it took me 15 months and 4 appeals but I got WLS. Read my profile. Remember be a pit bull-- call everyday-- keep a record of names-- DON'T GIVE UP------ good Luck
   — Robert L.

April 10, 2002
I have Cigna and my surgery was approved. It took 3 weeks from the day the doctor mailed the papers til we got the approval back. They also paid for all of my tests that I had done before the paperwork was sent in. I am on the 89/20 until I reach out fof pocket max and that is coming up pretty fast. I love this company. I have never had any problem with them
   — Judy S.