Everything was sent in to Cigna on December 24th! Christmas Eve and then just found out today that Cigna Approved it December 27th!!

Wow I can't believe it got approved that fast! I'm so excited!!

So bummed out. I was notified that my plan excludes ALL weight loss surgery. "Regardless of medical necessity." I'm not sure what I'm going to do! The surgeon charges right under $9,000. My credit is 620. What bank is going to make a loan like that with no leverage?! Do banks consider medical loans different from private loans? Do they pay the hospital/surgeon directly?? I've never gotten a clear answer.

Most of Cigna business (and Aetna, united) are as health service companies not true insurance. So they offer a plan to an employer and employer decides what is covered or not. There are thousands of versions of OAP.

I am sorry your employer won't add it. But you should consider looking into your hubby's plan and if covered get on that one.

This way no problems with loans.

Good luck