Jump to content
×
Are you looking for the BariatricPal Store? Go now!

What will BCBS insurance pay for?



Recommended Posts

My husband is starting the process for gastric sleeve. We have BCBS IL which doesnt require the 6 mo diet. We have already paid for the consultation with the surgeon and nutritionist appointment (both out of pocket, neither submitted to insurance). He has a cardiologist appt scheduled, and needs to have an endoscopy.

My question is- when does the surgeon normally get approval for the surgery? And arent these other appoinments (ie cardiologist) normally covered? How are they covered if the surgery approval is not done yet?

Share this post


Link to post
Share on other sites

I have BCBS IL and they covered most of my costs. However, I already had a cardiologist so I have just paid the copays. Where I did go out of pocket, for my surgeon, is for the lifetime nutritional counseling. Your surgeon's office should give you a break down of all the expenses and what you will be responsible for.

Share this post


Link to post
Share on other sites

I have BCBS but I'm in Indiana. You have to keep in mind policies are going to vary between states and whatever the employer/insurance company has worked out. One company may not include WLS in their policies while the next does.

That being said my experience with BCBS everything was covered as it normally would be for a doctor visit or procedure. Basically you had your co-pays as normal and that was it.

Share this post


Link to post
Share on other sites

The only way you will know is to call the number on the back of your card - every policy is different - even within the same state policies differ. Make the call and ease your mind.

Share this post


Link to post
Share on other sites

I have BCBS TX and and I had the normal copays for all visits. My surgery was actually scheduled long before I was approved. After my last medical clearance appt on 11-30, it was submitted to the insurance company and took 7 days to get the approval notification. Luckily I still had another 6 days to go before my surgery date - talk about cutting it close!

Share this post


Link to post
Share on other sites

On 1/31/2018 at 9:47 AM, Thegirl8567 said:

My husband is starting the process for gastric sleeve. We have BCBS IL which doesnt require the 6 mo diet. We have already paid for the consultation with the surgeon and nutritionist appointment (both out of pocket, neither submitted to insurance). He has a cardiologist appt scheduled, and needs to have an endoscopy.

My question is- when does the surgeon normally get approval for the surgery? And arent these other appoinments (ie cardiologist) normally covered? How are they covered if the surgery approval is not done yet?

Why did you pay out of pocket, are they in network?

I have Anthem BCBS and they have paid for everything. I still had to meet my out of pocket max first of course. My surgeon’s office was able to get the nutritionist and exercise consults covered. My endoscopy ended up costing me maybe $1200 because I hadn’t met my deductible yet. It’s been a smooth process so far.

just waiting on this 6 month rule... anyone know if it actually has to be 180 days?

Share this post


Link to post
Share on other sites

They are covered as normal visits and tests that a doctor has deemed necessary. The surgeon’s office will submit to insurance for pre approval of surgery when all of the items that heir office and your insurance requires are completed.

Share this post


Link to post
Share on other sites

I have bcbs IL too! My nutritionist appointments were $0-25 after insurance. My endoscopy was $1200... but, I didn't meet my deductible until then. I got approval from bcbs the same day my doctor submitted for approval. Literally took them like ... not even 2 hours for the approval. I was shocked. I had to complete 4 nutritionist appointments (2 each month) before submitting, per the hospital, not the insurance.

Sent from my SM-G955U using BariatricPal mobile app

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recent Topics

  • Most popular:

  • Together, we have lost...
      lbs
    ×