:help::eek:
I just got an updated insurance packet from my employer yesterday. Tonight I finally sat down to check it out. So I'm reading all about what it covers (I have Cigna OAP). On one of the first pages it reads:
"Outpatient Facility Services includes:
Operating Room, Recovery Room, Procedure Room and Diagnostic/Therapeutic Lab
Physician and Outpatient Professional Services"
This is still listed as 20% which is what its always been and what I always considered what I'd be paying for getting banded.
But then I go to the back where they list exclusions and this one is on there:
"Medical and surgical services, initial and repeat, intended for the treatment or control of obesity, including clinically severe (morbid) obesity, including: medical and surgical services to alter appearances or physical changes that are the result of any surgery performed for the management of obesity or clinically severe (morbid) obesity; and weight loss programs or treatments, whether prescribed or recommended by a physician or under medical supervision."
Also at the end it lists a whole bunch of stuff not covered however lap banding isn't in there (where it looks like it would probably fit if not covered). Of course its Sunday night and Cigna is closed and for some reason mycigna.com has been down for me for several weeks. Can anybody help me out with this?