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To Submit Now Or Wait Until Later? (Umr Ins)
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TinyMamiOf3kids 2 posts
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peachee213 1 post
***This post was originally under Pre-Op, but I moved it here.***
Hi everyone! I'm on the fence about submitting everything to my insurance carrier. I have UMR (UHC) but and the requirements are physician visits 6 months or more within 3 years *the requirements do not state consecutive*, a bmi of 40 or higher or at least 35/38 with a comorbity.
My bmi is 43.4 with high blood pressure, pre-diabetic. I also have joint pain with all the extra weight. I have more than 6 months (not all consecutive). I don't know if I want to go ahead and apply now or just wait until I have all consecutive months to ensure all my bases are covered. I would have been done in July but I missed a month or two planning my out of town wedding. Now that everything is over. I will be finish with 6 consecutives in December and can resubmit then if denied.
Has any one had experience with UMR? I have co-workers who missed months but were still approved. I've confirmed through my surgeon, doctor, and website the the requirements dont say consecutive but when calling they give me the rigamaroo.