Unicare did fine job
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I just got the hospital bill for my lap band that was placed on August 7. Unicare HMO paid $23,000, and I have to pay $285. They approved it pretty quickly, with minimal hassle (They lost the first two sets of paperwork but when the doctor's office faxed in a third set, they had it approved within a week.) One request for more information. I don't have the surgeon's bill yet. I think I got very, very lucky. Thanks, Unicare!