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This is a mess

Surgery: April 26

Primary insurance approved within a week so I think I'm in the clear. Nope. I get a phone call Monday morning that she has to submit to my secondary insurance. She said it might cancel my surgery.

Now, please someone ease my mind, I have the same company (Capital BCBS) for my primary and secondary. I have a letter from my primary saying my surgery is medically necessary. That, to me, says I will be approved by the secondary as well, right?

I have less than 2 weeks until surgery and I am stressing. This is far too late in the game to be worrying about this.

Should I be worried?

What should I do?

  • Replies 6
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This is silly. It's up to your primary, and if they approve, the secondary pays a minimal amount anyhow.

Talk with the office manager.

  • Author

This is silly. It's up to your primary, and if they approve, the secondary pays a minimal amount anyhow.

Talk with the office manager.

I will call them in the morning. I've been a ball of nerves since I got that phone call. I have it IN WRITING that I am approved for surgery. I dont see how they can come back and say it could be jeopardized.

Sent from my SM-G920P using the BariatricPal App

  • Author

The worst that would happen is you would have to pay the co-pays, deductible and co-insurance that your primary doesn't cover. We go through this all the time with my son's medical supplies.

Sent from my iPhone using the BariatricPal App

I'm sorry you have to go through it often. Something didnt seem right to me and I even told my patient rep I'd happily accept a bill for the co-insurance rather than have to rearrange the time off work, etc.

Sent from my SM-G920P using the BariatricPal App

It's one of the joys of special needs parenting. You would think double coverage would make things easier, but it's really a pain in the butt. I m grateful for it though because his formula and feeding supplies are over $2000 a month, and his Prevacid is $400-500 a month.

Sent from my iPhone using the BariatricPal App

  • 2 weeks later...

Same thing happened to me, except I have two insurance providers. Aetna is my primary and UHC is my secondary.

Sent from my iPhone using the BariatricPal App

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