~Sabrina K~

Hello All! I've been going in circles reading everything I can and finally have the guts to ask/vent. I started the process in October. I have Cigna as primary and Tricare Prime as secondary. I attended the seminar, did my sleep study, got a referral from my doc, did my labs etc. I got everything in and learned that Cigna clearly has an exclusion. On to Tricare...I've called several times and got several answers, so did my Surgeons office. I had my first appt. today and they seem to be very positive about getting approved. I am 33, am 245 & have a BMI of 45, no co-morbidities that Tricare lists. They did NOT submit my claim to Cigna due to the exclusion, I did NOT do a psych. appt at all and my referral came from my doc that is NOT my PCM. I'm so worried that I'm not going to get approved and will have to start all over. However, they set a tentative surgery date of Dec. 17th.????? Has anyone used Tricare Prime as a secondary insurance? GEESH!!! This has been a process, let me tell ya! I'm so discouraged for some reason, yet it could be because everything always goes wrong for me. Keeping my fingers crossed!