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BCBS of TN - Denying Coverage?
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Hello,
My wife and I are both wanting to get sleeve surgery but our insurance apparently doesn't cover anything these days. I even have high blood pressure and a Hiatal hernia. My PCP actually referred me to the weight loss surgeon too!! Anyway, neither of us have ever had surgery in our lives and are pretty heartbroken about the whole ordeal.
I've looked all over the website for blue cross blue shield of TN and I don't see anything about WLS not being covered. There is an explanation of benefits form but its apparently not available to be viewed online for our plan. When I do a search I see that no one else apparently has trouble getting BCBS of TN to pay. Some have to go on a diet plan for 6 months, but I wasn't even given that option.
Any ideas on where to go from here? I have an email into the insurance company already. But if they told my doctor "NO" they are probably going to tell me NO as well!
I'm located in Dallas, and have some of the best WLS surgeons right at my finger tips!
Can I fight this? Can I actually win?