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Insurance denied revision to bypass from sleeve
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Sleeved July 2012 in Mexico with Dr Garcia. My BMI was about 37 y insurance wouldn't cover surgery due to not having any co-morbidities. I also had a lap band done July 2007 in Mexico with Dr Aceves & had that removed July 2010 which insurance did pay for.
I have had constant issues with reflux with my sleeve. I have lost weight & have been keeping it off but very difficult for food to stay down. I am also lactose intolerant since my sleeve surgery!
I had GI tests done to confirm my GERD issue, the surgeon feels the only way to fix it is to have a "gastric jejunostomy". This is basically a revision to a gastric bypass. I was scheduled for 718/14. Today I get a phone call from the coordinator who said it was denied by my insurance. I am copying the reason from his email below:
MMSI denied based on benefit interpretation. Procedure is non-covered and is an exclusion on Bariatric Surgery policy under heading “Not Covered/Exclusions”:
I am so upset, basically he told me I could appeal. Well I called the insurance company, spoke with a rep who advised I cant appeal due to it being a "pre-determination issue" If I go ahead & have the surgery & am denied, I could then appeal"
Well I don't want a 50K bill from the hospital, so I cancelled the surgery.
It is weird but when I came back from Mexico form being sleeved, I had C Diff & was hospitalized twice, insurance paid for all of it! Again they even paid for my lap band removal which was removed due to difficulty eating fruits, veggies, meat in 2010...
I continually throw up throughout the day after I eat, alot of liquid & small pieces of food..
Also my husband is covered under my insurance & he is on dialysis 3 days a week & on a kidney transplant list,, Maybe my insurance feels we are costing them too much..
I just don't know what to do anymore..