I have Blue Cross of MA but live in Texas. I picked out a surgeon and was hoping to start the process but was told that I needed a 5 year history to document my obesity. I had already checked with my insurance and they sent me a copy of their medical policy dealing with WLS. I met all of the requirements. Nothing in their medical policy said anything about getting a 5 year history (which I don't have).

The surgeon's office said that since I live in Texas, they have to follow the guidelines of Texas, not Mass.

Has anyone else had this problem of living in a state different than their insurance (i.e., Texas vs. Mass.). I don't know what the BCBS of Texas guidelines are.

I'm at my wits end and don't know what to do. Any thougts??

get the certificate of coverage info for blue corss of tx, good luck

I have never heard of anything so crazy. I have had several different insurance companies in my adult life and all policies were governed by a state other than the one that I lived in. I currently have BCBS of Maryland but live in MS. I have to follow BCBS of Marylands guidelines not Mississippi's. If I were you, I would check with a different surgeon. Good luck to you!

yes, that sounds like your surgeons office. I have BCBS of MA and I live in Denver...no such thing here!