Approved within 5 days!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Thanks you BCBS!

Congrats and best wishes on your journey

Congrats!

I, too, have BCBS IL and they made a lot of changes in their approval process from last year to this year so mine was approved pretty quickly. Congrats. I was so excited when I got the approval and then at the same time a sense of panic of what did I just do ~ LOL. But it has been a great decision.

Best of luck to you!!!

Approved within 5 days!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Thanks you BCBS!

That's great news!! Good luck on your new journey!

Thanks! I thought I would be approved but you know how you just never know. I've been eating so much just thinking it wouldn't happen. Time to get on track now. I know that makes no sense.

I'm hoping for the same fast response! True Results submitted my records last Friday.

Yay!!! Good for you!! I work for BCBS of IL and one of the best feelings is telling someone when they call in that their surgery was approved! Having the 6 months of weight loss program removed from the approval criteria has made it much easier for people to get approved!!

I have BCBS of IL. I was just about to ask what people were paying out of pocket with them. I'm going with True Results. But, I've also met my deductible for the year and only have just over 2k left on my max out of pocket for the year. Kinda worried while I wait for the surgeon to call me. I'm still paying on my other medical bills. Lol. Hoping they pay for quite a bit.

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Just called insurance company. She said I already met my max out of pocket and had no explanation as to how I had met that, it's 15,000max. Earlier this year I was hospitalized for 2 weeks for a Pulmonary Embolism. The total bill was about 70,000 plus around 10,000 more for the private doctors and other visits I've had since then. MY total is about 5,000, insurance has paid the rest. How can that be? Does the out of pocket REALLY mean out of pocket? So confused. Lol.

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TrueResults submitted 8/23 and it was approved 8/27 by Fed BCBS.

I have BCBS IL. BMI 41. No comorbids.... Dr. Submitted paperwork 8/28 .... Anyone know if I'm likely to be approved?

I'd say yes. They told me that they required 35 BMI or 30 with comorbids.

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Actually, it might of been 35 with comorbids and 40 for none. I was 35 with comorbids. Either way you should be fine.

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Thanks... I hope so, I sure have my hopes up!

Good luck! =)

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FallonB....out of pocket means the most you pay yourself. Sometimes deductible is included in that amount, sometimes the two are separate. If you are using providers who are in network, they are required per their contract to accept whatever BCBS figures to be the allowed amount. Anything they bill over that they have to take as a write off. For example, if they billed 70,000 but BCBS allowed 10,000.....they would have to write off the difference. Then, if your deductible is met, you will owe a % of the 10,000 until you reach the out of pocket maximum. So, if you have an 80/20 policy, once your Deductible is met, BCBS pays 80% of the allowed amount (the 10,000 in the example here) and you pay 20%. That 20% you are paying is what goes to the out of pocket maximum. So the MOST you would pay out of pocket would be your deductible then whatever the out of pocket maximum is.

Take my policy for example. I had a 600.00 deductible. After deductible was met, BCBS paid 80% of the allowed amount, I paid 20%. My 20% went toward my out of pocket maximum of 1200.00. Once my 20% added up to 1200.00 (because my deductible didn't apply to my out of pocket maximum), they services for the rest of the year are covered 100% of the allowed amount by BCBS as long as the providers are in network & the services is a benefit of my contract. I had surgery (not lap band, different) in January. My deductible and out of pocket maximum was met with that....so I had 1800.00 in bills that were my responsibility. However, after that BCBS has paid 100% of the allowed amount for my claims. So when I had surgery (lap band) in August, I had no patient share because my deductible and out of pocket maximum were met in January.

Hope that helped!