Covered by 2 insurance

[daisy6962 0]

I have 2 insurances, NC State BSBC(70/30) and UHC(80/20). I have heard BCBS is easier to get approval and fast at responding but UHC can take awhile to respond. I am hoping so bad that both of them are approved. If I get at least one approved I will be happy but would have out of pocket expense, if both approve no $$ OOP. Does anyone have 2 insurances? What was the outcome? My family dr said that if they are going to pay for all the pre-test, why wouldn't they pay for the surgery?

[BayougirlMrsS 3,936]

i had UHC Only.... i went to the free seminar, got the packet, met with the surgeon, they set up all my appts. I asked for as many in one day as possible. So i did the bar-am swallow, nutritionist, and the nurse in one day. Did the cardo and sleep study in the same day/night. Went from the Cardo to the sleep study that night. got my referral from my family dr that show the 5 year progression of weight gain. They complied all the info along with a surg. day and submitted it to UHC..... got approved the first shot out.

I really think having the dr. compile everything and sending in all together with a date was the key. UHC likes to "lose" paperwork. It's easier to lose one sheet than a whole packet......

First dr. visit was in Aug. and my surg. was 11/10/09.

Normally, you have to submit to your primary insurance first... if you have insurance on you thru your work, and your husband has insurance on you at his work..... your insurance will be primary for you and your husbands will be secondary. For your husband his work insurance would be primary and your insurance would be secondary. You can't choose which one you want to be primary.

UHC required that i call before they started any test so that they would be covered. Hope that helps

[BWESLEY 6]

i had 2 insurance and i didnt pay anything i am 2 years out and didnt pay for anything the last 2 years

I have 2 insurances, NC State BSBC(70/30) and UHC(80/20). I have heard BCBS is easier to get approval and fast at responding but UHC can take awhile to respond. I am hoping so bad that both of them are approved. If I get at least one approved I will be happy but would have out of pocket expense, if both approve no $$ OOP. Does anyone have 2 insurances? What was the outcome? My family dr said that if they are going to pay for all the pre-test, why wouldn't they pay for the surgery?

[daisy6962 0]

Awesome! That is my goal!!

Hoping both approve it,if i had to choose one over the other to approve, I would choose UHC, lower deductibles and plus they are paid up for the year.

I guess BCBS would have to deny first and the UHC pay. I am thinking I will appeal their decision if either/both deny.