UHC Choice Plus or Aetna Choice POS II??

[sunbunny83 21]

Hi all -- I just started with a new company and I have two options for insurance... UHC Choice Plus or Aetna Choice POS II. My summary of benefits for both say: Other Covered Services: Bariatric surgery. I'm trying to decide between the two and I'm hoping you all can help. I would like to have the Lap Band Surgery. My BMI is over 40. If anyone can share which one they had good luck with, I would appreciate it. Thanks in advance for your help!

[Sarah75 67]

When I had my surgery last year I had Aetna Choice POS II and loved it!!...had no problems with billing or approval..my co-pays for fills where super cheap 10

[sunbunny83 21]

Hi Sarah -- Thanks for the reply. Can you share with me anything about the approval process and what it was like? I was leaning towards UHC, but I am so confused and I want to make the right choice.

[Sarah75 67]

I no longer have Aetna my husbands union contract went with with BCBS and I hate it but..Aetna was great I had to weight in 6 consecutive months before surgery I hear now mow insurance company's have gone down to 3 moths..in that 6 moths I had to either lose 10lbs or stop smoking I gained 20 but did quit smoking..the usual pre-op test pulmonary..stress test and a shrink...2 years of documented weight from my GP basically just had to have my weight on my chart at some point for 2 years...they approved me for surgery 7 days after it was submitted..my BMI was exactly 40 of it had been under then I had to prove 1 co-morbidity which I did have high bp..the one thing I really liked abt Aetna was that u can down load an app or go online and see everything how much you've paid toward ur deductible mine was $150 and how much you paid towards total pay out for the year...I ended up paying $50 for my surgery because all my requirements were such a low pay out...my ex husband has the UHC plan and so my kids are covered under his as primary and this co-payments were double and would barely cover anything..his was Rail road insurance