Insurance Will Cover 100% Of Lap Band Surgery United Health Care “choice Plus”

[Amanda1982 142]

In November I upgraded my insurance from United Health Care “Choice” to “Choice Plus” My only reason for doing this was that the out of pocket max was $2500 with choice and $2000 with choice plus. What I did not realize is that with “Choice Plus” the band is covered at 100% instead of 08/20. I put $2000 in medical spending account to pay for this and now I only have to pay $100 to the hospital.

I guess I’ll use the remaining $1900 on dental work and post-op copays…YAY

[dFaults 1]

Isn't it amazing how if you "upgrade" it comes in handy??? Since I've had children, its always been a better choice for me. With the number of visits I make to the peditrician, it is so worth it in the longrun!

[Lady Jenna 2]

I have the same insurance... 50.oo copay and 1000 out of pocket.... thank god!!!

[ck1redhead 0]

Hey there,

How long did the entire process take for you? I have the same insurance. Also, I was not over 35 BMI for the entire portion. I was over 35 for about 2 1/2 years of those 5 years. I am hoping to get approved in the next week or so. My records were submitted for approval on Friday!

Congrats to you!!!

Courtney

[HeatherinCA 10]

Really that's it? I don't have this insurance, but they sent all kinds of bills for anesthesia, the surgery and things. I would be cautious there probably is more expenses, I wouldn't go spend that money just yet! Especially if this is a PPO, don't you have to reach your deductible or something..

[Amanda1982 142]

Really that's it? I don't have this insurance, but they sent all kinds of bills for anesthesia, the surgery and things. I would be cautious there probably is more expenses, I wouldn't go spend that money just yet! Especially if this is a PPO, don't you have to reach your deductible or something..

I dont have a deductible that has to be met. Just 100.00 to the hospital. I also check to see if the anesthesia is covered because I've heard this before and as long as they are in-network they are also covered. Trust me I've double checked this lol but I still won't be spending any of the money because you never know!!

[JerseyMom29 0]

I also have their insurance. The Choice level, I believe even though you might have the same program there are different levels within each program.

I only have to pay a $170 inpatient surgery copay. No deductible. Am covered for the anesthesia at 100%.

[Pamela1107 0]

I also have United Healthcare and I was told I only have to pay my deductible($2500.) and that all of the other costs were included if in network. Everything so far is in network for me. I was told that United Healthcare/Oxford was the easiest insurance to deal with for WLS. :-)

[juzmejnee 9]

hmmm i have united healthcare choice plus and i have $2500 deductible and $4000 out of pocket expense. Does anyone know how this works? My coordinator said they (UHC) would pay for it but they require it to be in a hospital and i would be responsible for the $4000 max

[Dibley Dawn 84]

I also have UHC and they are paying 100% for everything as long as I have the procedure done in a "Center of Excellence"...my CoE is NYU. The only thing they didn't pay for is the $250 for the psych eval, but I submitted the bill and they are paying 75% of it. I am so glad they are easy to deal with. also, I didn't have to have a set number of months on a diet before the operation...The only criteria I had was I had to have a BMI over 40, which I do, and have it done at a COE. That was it!

sooooo easy.

[ElizabethNYC 1]

This is a little off topic but I get a statement from my insurance company each week or every other week but anyway they showed my surgery on there and it felt REALLY good to know that I didn't have to pay a bit of the $22,000 it cost :-X

[MyBeautyTrumpSizeAtl 0]

[i have United Healthcare choice plus as well and I was told that they cover everything. I was wondering, did you have to do a 6 month diet prior to surgery? If so, who required you to do that? Your primary care physician? What were UHC's requirements other than morbid obesity and a psych exam?

[Amanda1982 142]

I did not have a 6 month dithe only requirement was the high bmi of 40 or above if your bmi was lower than obese then you had to have had something like diabetes or high blood pressure. good luck feel free to ask me anything else

.

[LB4Me 35]

I have UHC as well. They cover 100% as long as you use a Center of Excellence surgeon.

[spoiltmom 44]

I also have UHC Choice Plus. Under our policy Lap Band is 80/20 AFTER you meet your deductible and it's only covered if you use a network surgeon. I had already met my out of pocket maximum before I was banded though so I didn't pay anything for mine. My insurance paid a whopping $95,000 for it