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Insurance Doesn't Cover, Submit Letter?

Wisdom2KnowTheDifference

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Wisdom2KnowTheDifference    32

Wisdom2KnowTheDifference
Posted

So I found out today that my insurance does not cover WLS, but I was told my doctor could submit a preauthorization letter which would be reviewed. Has anyone had any experience with this? Specifically trying to get Lap Band covered by an insurance company that is expressly saying they don't cover it?

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highland    168

highland
Posted

No luck here. My employer specifically excluded WLS so no matter whT my surgeon wrote, they denied me. It's upsetting because my i surance company has benefitted greatly from me losing 100+ pounds! I was tKi g massive amounts of insulin that was costing them $5000 per month. I know take 1/10 of that amount!!! By self paying for lapband they also will not cover anything related to it like a tt or panilectomy. I just had had a tt and br which I also paid for! With that said, I wish you all the luck in getting approved.

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kloee    1

kloee
Posted

I to was denied the first time, so i wrote a letter to appeal it also had a letter that my Dr. wrote up. Explaining that i had dieted and tried many diets in the past. Sent it in and got approved. I was not at the B.M.I. index that was necessary for the surgery but net the sleep apnea and high cholesterol and blood pressure.

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kloee    1

kloee
Posted

I also have the letters that i wrote to my ins. company if you would like them. I received them from a lady i met on this forum that was also denied. One is a personal plea, the other is explaining my medical side of it.

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xavtay2    85

xavtay2
Posted

Good luck on getting your approval. I just sent a certified packet today with my office letter of appeal to Cigna. I wish I would have had your letters. If you can please send them to my personal email: xavtay2@gmail.com. They still may come in handy, I was denied because of the facility my insurance does cover WLS. we will see the outcome as I am sending positive energy to everyone affected in this way. I believe that it will be apprived I just have to fight for it. Good luck and keep in touch

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NWgirl    574

NWgirl
Posted

Good luck on getting your approval. I just sent a certified packet today with my office letter of appeal to Cigna. I wish I would have had your letters. If you can please send them to my personal email: xavtay2@gmail.com. They still may come in handy, I was denied because of the facility my insurance does cover WLS. we will see the outcome as I am sending positive energy to everyone affected in this way. I believe that it will be apprived I just have to fight for it. Good luck and keep in touch

Some insurances require you to get surgery at a center of excellence. If this is what you mean by facility, I don't think they will approve a place that is not a center of excellence. Center of Excellence locations have extremely strict requirements which are set forth to ensure the best patient care and outcomes.

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xavtay2    85

xavtay2
Posted

Hey NW GIRL~

Thanks for your response and you are correct. The only problem is I was told by two different insurance precertification representatives that the listing of Center of Excellence hospitals they are using is outdated! To be exact one rep said October of 2011 and last week another lady told me it was dated back 2009. I jsut think they need to use a current listing prior to giving me a denial..

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NWgirl    574

NWgirl
Posted

Ooh, that is a problem!!! So the one you want to go to is a center of excellence but their records don't reflect?

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Bubie1916    59

Bubie1916
Posted

I also have the letters that i wrote to my ins. company if you would like them. I received them from a lady i met on this forum that was also denied. One is a personal plea, the other is explaining my medical side of it.

. How can I get a copy of your letter or sample to help write my insurance? I just got denied and want to appeal it. Can you help me?

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A_in_Jade    0

A_in_Jade
Posted

I also have the letters that i wrote to my ins. company if you would like them. I received them from a lady i met on this forum that was also denied. One is a personal plea' date=' the other is explaining my medical side of it.[/quote']

Id love them too! Can u send to my email? Message me!

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Bubie1916    59

Bubie1916
Posted

I also have the letters that i wrote to my ins. company if you would like them. I received them from a lady i met on this forum that was also denied. One is a personal plea, the other is explaining my medical side of it.

. Kloee, my emai address is: emat704@Verizon.net- I would really love to get copies of your letters, as I will be appealing. Thanks!!

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kloee    1

kloee
Posted

sent you a e mail

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chevy_truckin    0

chevy_truckin
Posted

Hi I am trying to get mine done I am looking for a good doctor real soon in ky and was wondering I you could send me a copy of those letters to be ready if they deny me since my work has it excluded

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Go To Topic Listing Insurance & Financing

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    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 0 replies
      1. This update has no replies.
    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

    • CaseyP1011

      CaseyP1011

      Officially here for a long time, not just a good time💪
      · 0 replies
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    • KimBaxleyWilson

      KimBaxleyWilson

      Three months and four days ago... I was in Costa Rica having a life changing surgery! Yesterday we had a followup visit with Dr. Esmeral via video chat and this morning my middle number changed.  I'm down 47lbs and two pants sizes. I can wear a Large tshirt for the first time in like... 14 years! Woot!! Everything is going great. I have zero regrets. I went down to the riverwalk with a friend and walked 2 miles on Monday without even getting fatigued. And no more snoring or chugging pickle juice for crazy leg cramps! I need to go to the gym more... I'm making new shirts next week so that will motivate me. LOL But I'm also just not as TIRED all the time! I have a LONG way to go...but seeing the progress on the scales and in the mirror is a huge motivator!! Thank you all for cheering me on and supporting me!!
      · 0 replies
      1. This update has no replies.
    • bellaamey

      bellaamey

      https://alluniqueguide.com/java-burn-coffee-reviews/
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