Experiences with Cigna Open Access Plus (LOUISIANA)

[LindsayLouLou 3]

I have Cigna Open Access Plus. My BMI is 41. The surgeons office is contacting my insurance co to see what portion, if any, they will cover. What all does Cigna require?? If they won't pay, how do you finance?

I've read different posts where Cigna approves with 6 months of dr. supervised diet, some people say only 3 months, some say no wait at all! There are also people who say Cigna won't pay at all!

I'm so worried! As far as financing goes, I have decent credit, but I've read where people get financed easily with one lender, but some people report having to find multiple lenders/take out multiple loans/sell their property! Ahhhh!!! I don't know how medical financing works! Please advise!

[elfnow 277]

Have you tried calling them yourself? Cigna has different plans in different states!!

[LindsayLouLou 3]

I can access my plan online. It says nothing about any surgery, except ALL physician recommended inpatient procedures 70% covered. The weightloss coordinator at the surgery center is contacting Cigna to get the exact details. I'm just wondering what all hoops I'm going to have to jump through!

[seattleslew 36]

I am also on Cigna OA+ and I was approved for VSG after completing the surgeon's program (psych eval, nutritional counseling, stress test, apnea test and began a weight loss diet plan). As I understood from my NUT, it's your BMI that will qualify you(well, me) -- And I have osteoarthritis in one knee. I opted to switch doctors so now I have to reapply, hopefully not start all over but if thats what it takes! Good luck to you LinsayLouLou.

[LindsayLouLou 3]

Seattleslew- thanks! Did you have to do a 3 or 6 month dr supervised diet plan?

[sammyblingss 84]

Cigna is awesome. They covered the whole thing. I had to have 90 days of Dr visits. I had to have a bmi of at least 40. They are awesome !!!

I called them and made sure they told me it was covered. Go on cigna.com and search for bariatric and their policy comes up. It tells u what they ask for.

Good luck!! Oh I'm in New York.

Edited March 8, 2014 by sammyblingss

[seattleslew 36]

IT was only a 3 month. My first visit was in October and by December I had a letter from Cigna approving me, get this, for 1 day! LOL..I thought wow, I only have 1 day but when I called them, they explained they don't provide coverage date ranges and assured me that the approval would extend for the year if I decided to switch surgeons. They were very nice about it.

[Goddardgo 90]

I have Cigna Open Access Plus. My BMI is 41. The surgeons office is contacting my insurance co to see what portion, if any, they will cover. What all does Cigna require?? If they won't pay, how do you finance?

I've read different posts where Cigna approves with 6 months of dr. supervised diet, some people say only 3 months, some say no wait at all! There are also people who say Cigna won't pay at all!

I'm so worried! As far as financing goes, I have decent credit, but I've read where people get financed easily wi ith one lender, but some people report having to find multiple lenders/take out multiple loans/sell their property! Ahhhh!!! I don't know how medical financing works! Please advise!

I work for Cigna, its 89 day supervised weight management. I am in my 2nd month now... can't wait to be done :-). If you meet your deductible you will just have your copay most likely, if you meet your out of pocket Max you may not have to pay a penny, just depends on your benefits.

[LindsayLouLou 3]

Thank you!!!!