I have my surgical consultation on 8/2 and I'm a ball of nerves over getting it approved by my insurance! I tried doing a search in the forum for answers buit wasn't able to find much, so I apologize if this has been asked before (which I'm sure it has).

I have Anthem BCBS. I've already verified that Lap Band is covered by my plan as long as I meet the requirements, which I do. Requirements are here:

http://www.anthem.com/medicalpolicies/policies/mp_pw_a053317.htm

I have no co-morbid conditions. My BMI is 46. Everything else is in the works - I've attended the mandatory seminar that the surgeon's practice requires. I also have appointments to meet with the dietician and pyschologist for a mental health assessmeet. After my consult, I will be scheduled for labs, EKG, and the other required testing I assume. I am just wondering if anyone has had a good outcome with their insurance without the co-morbid conditions?

Is it typical to be approved right out the gate for surgery, or do you usually have to jump through hoops? I am just feeling a little overwhelmed with all the what-ifs, and I will be so disappointed if it gets denied. I really want this!

I also have BCBSIL and they gave me a hard time. Something plan-specific. They said I had to do 6 months of a supervised weight loss program after I had already completed all the pre-requisites they asked for. I did an audio appeal which they denied based on the fact that I did not have the surgery yet, so I did a written appeal to the Illinois Board of Insurers and they finallt approved-I also had no advocate so I was all on my own. Congrats on your surgery!!!! I finallt had mine last week and am sooooo happy it was approved before the end of the year!!