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First Health Insurance (Possible Self Pay)

Ok, guys, I need some advice. When I went into my Dr's office for my first consulation (Which was on 4/27/07), I went in basically prepared to self pay.

Well first of all I have to submit to my insurance company, just to make sure they won't pay. They have a list of things my insurance company requires. (Pulmonology, Cardiology, Psych, and 3 *or 6* month supervised diet)

Well I have dieted all my life (Trimspa, Ediets, Weight Watchers, the plain and simple 'cutting back') and have always lost, but then gained the weight lost, and then some.

I have no documentation of this from any of my physicians.

My concerns are these, in my insurance packet (I have First Health Insurance), it states that Gariatric procedures are excluded unless deemed medically necessary, by a comorbidity. Well I have no medical problems, (I'm not a diabetic, my sugars are fine, my blood pressure is fine, etc.) I have a family history of heart disease, diabetic, etc. and I know that if I don't do something about my weight now it will be inevitable that I will eventually suffer from all of these things, and then some.

I have no issues losing weight, it's just keeping it off. So my question is if I go through this diet program, and weight another 6 months, what are the odds of my insurance company STILL Denying me because I CAN lose weight, and I have no comorbidities.

Sorry if this seems like rambling, it's just hard to explain, and I have no idea what to do...

:help: ~*Ash*~:help:

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i know "someone" who has this ins and its not actually 6mos you have to do its 3 out of the last 6mos of supervised diet excersize and bahavior modification.
Yep, that's the requirement. If you've done a medically-supervised diet within the last couple of years, though, it should count. When I had everything sent to insurance, I hadn't been on a diet within a year, but I did do a medically-supervised phentermine diet for all of 2005, and First Health counted that as my diet attempt. So, they are willing to bend a little.
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