My insurance has a bariatric surgery exclusion....

Makes me so mad because I called them on 1/3/14 to make sure I had the benefit and they said yes. Then; the bariatric coordinator called and said that I have an exclusion....

So I guess I'm switching to self pay

Really makes me mad. I also called cigna today to double check and sure enough the lady said that it is excluded.

I was effective 1/1/14 with new BCBS and approved for surgery 1/14. Surgery date is 2/10. Not bad timing and no questions asked with my new individual plan. It went smooth as a babies butt.

Which BCBS you purchased?

I'm in the same boat- EXCLUDED!!!! I'm so bummed. My surgeon charges right under $9,000 for the entire procedure, hospital stay, pre-post visits, etc. I have NO idea how to finance this. I have nothing to offer as leverage.

^{I would def look into getting a policy that includes bariatric surgery. I know that BCBS does.}

That's what I'm working on now! I'll keep you posted!

Exclusions totally suck! My daughter went through this with Aetna about a year ago. Open enrollment we switched to my husbands plan which is UHC anddddddd I've jumped on board to have VSG as well. Far less stringent then Aetna and I was approved within 3 days of submission to UHC for approval.

Exclusions totally suck! My daughter went through this with Aetna about a year ago. Open enrollment we switched to my husbands plan which is UHC anddddddd I've jumped on board to have VSG as well. Far less stringent then Aetna and I was approved within 3 days of submission to UHC for approval.

Aetna most certainly approved bariatric surgery. It's your employers contract that would cause the exclusion

What private plans cover bariatric surgery?? That's where I'll be shopping for new insurance!

Make sure to check the benefits covered. I just applied and I'm waiting to hear from them.

What private plans cover bariatric surgery?? That's where I'll be shopping for new insurance!

I know some bcbs does cover..it usually has a higher premium though. Bcbs has faster approvals,especially if your bmi is over 40.

You know Aetna, united and Cigna all customize their plans for the specific employer. So it's your employer who is refusing.

Couple options

Get on hubby plan if possible

Go on the healthcare.gov pick up a plan temporarily for yourself for a year. Get the surgery and drop it. It may be cheaper than a loan nj the long run

Self pay insurance is the best way to go. I have B/CB/S of MI ppo. My premium is $200.00 a month with a $300.00 deductible, my out of pocket is $1200.00. It's the best way to go!

Self pay insurance is the best way to go. I have B/CB/S of MI ppo. My premium is $200.00 a month with a $300.00 deductible, my out of pocket is $1200.00. It's the best way to go!

Wow nice I have $1000 deductible and $2500 total out of packet.

How fast were you approved?

I haven't been approved yet. I need a phych evaluation. I'm sure I will get approved I just need to stop smoking. I have acute reacquiring pancreatitis. I don't drink it is food that does it.

Well guys I ended up selling some land to get 11k and then used a credit card for the rest. Surgery date is scheduled for 4/21 and I gave the cashiers checks to the bariatric coordinator today