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

[nomrlz 1]

Every policy is different with United Healthcare. It depends on what your employer has them write it up as. My husband works for BNSF Railway and the only requirement for me was a BMI over 40. I have to pay the $20 co/pay when I go see my doctor. Other than that my surgery and anesthesia is 100% covered.

My bariatric coordinator was shocked when she found out there was no waiting period or trying to lose weight for x number of months. I went to the lap-band seminar the end of July and then my first support group the first part of August. I missed the 2nd groupi August due to a friend's son dying, missed 1st group meeting in Sept. due to my son's first jr high football game. Made the 2nd one in Sept. Met with the nutritionist and psych eval in Aug, did xrays last week and surgery scheduled for Oct. 6. She said it's the quickest she's ever seen. I told my hubby thanks for having a good job.

[2bfit 62]

I have UHC Sig Value Advantage *** formerly Pacificare ***. I submitted 2 years of medical records to prove that I was under a medically supervised diet and my gym membership records to get approved. I have a BMI of 40 but they wanted to me to show "motivated" attempts of trying to lose weight. They denied me at first because my doctor did not submit the records with the request. As soon as they received the records I was given a consult with the dietician 10/3/11 and a consult with the surgeon 10/6/11. According to my plan I just have to pay for the drs visits $40 copay and a $300 copay for every day I am in the hospital up to $600 total out of pocket per stay. I contacted the medical group and they are not requiring a psych eval at this time. I thought that was a requirement but the lady said only if the dr deems it necessary. So I guess I will just wait and see at this point. Next week can't come fast enough!

[spoiltmom 44]

Oh and with my UHC policy you had to have a BMI of 40 or a BMI between 35 and 39 with 1 co morbidity like high blood pressure or sleep apnea or diabetes etc. No 6 month diet and no waiting period:)

[ruth4alan 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

Courtney, I have insurance through BNSF United Healthcare. Stuff was sent in last friday. I also was not 35 BMI for five years. Were you approved and how long did it take to find out. I know it has been a year almost for you but i just joined and I am now waiting.

[SumthinsGottaGive 35]

I also have UHC. I have excellent coverage...(which is soon to change since my company is being bought out) . But they are great! They told me they cover everything 100% after I meet my deductible of $200.00 .. which wasn't hard to do w/all these appointments. All they required at my level was a BMI of 40 or >, 5yrs weight history and a psych eval. I was submitted Oct. 17th and approved Oct. 17th! Got my letter on the 21st.. I love UHC!