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Sorry but yes I have another insurance question

kaninag

By kaninag, in Insurance & Financing

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kaninag    35

kaninag
Posted

I called again and they did receive everything!!!!! :) :) :) :)

I am currently under review!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Thanks for all the support!!!!!!!!!!!!!!!!!!!!!!!

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Ellisa    6

Ellisa
Posted

Read the thread started by Dustout "Approved by BC/BS. You'll that my experience was very similar. But I was approved after 6 weeks. And was banded yesterday!

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kaninag    35

kaninag
Posted

Congrats Ellisa!! I did read that thread and you went thru a lot!!! Luckily I have read all these threads and I knew what to expect. I only gave them a few days to get the paperwork and when they still didnt have it in the system I refaxed. I'm not playing with these ppl. You know to me-- I want the surgery. My BMI is high I have done everything that they asked....now give me my freaking approval...you know......but yeah I know it doesnt work like that. I want SOOOO badly to call today but I will wait until friday. If I havent been approved by friday then I wont be having it before the end of the year. But oh well as long as they approve it.:clap2::clap2::clap2::clap2::clap2::clap2:;)

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Ellisa    6

Ellisa
Posted

Hang in there, and next time you call, firmly but politely insist on being transferred to a nurse. Once the nurse was involved things moved at lightning speed!

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kaninag    35

kaninag
Posted

Yeah, I just called BCBS again and they kindly reminded me that predeterminations are done as a courtesy and that it can take up to 30 business days....basically they're tired of me freakin calling but you know what if i dont have an approval by tomorrow then i can just hang this up for this year. which sux!!! I am soooo frustrated. I hate that my surgery lies in BCBS's hands....

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kaninag    35

kaninag
Posted

*the BCBS girl said there was nothing they could do at this point to rush anything bc it is under "medical review"

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kaninag    35

kaninag
Posted

Oh well, I am not having the luck of a quick approval. I have 3 hrs left to get it approved so that I can have the surgery this year. It doesnt look good. My Dr's office closes in 3 hrs and 10 min and wont be back open again until the day that we had tent. scheduled my surgery *tears* I just called BCBS and it is still in review.....this sux. I am so depressed now. Well, I will just call back before the dr's office closes that will be my last hope.....yeah I know I am whining....but I cant help it. If it doesnt get approved today then i have to pay for 20% of the cost...and thats IF they approve it...surely they wouldnt make me wait so long if they were just gonna deny me...maybe somebody is in the Christmas spirit..............

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Ellisa    6

Ellisa
Posted

You are not whining. You have every right to be frustrated. And 20% of this surgery is a lot of money. It's just a shame that we are at the mercy of their slow wheels turning. It seems like they should have some responsibility for a maximum amount of time they are allowed for a response. Come here and complain all you want. That's what we're here for. Folks helped me just by understanding.

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kaninag    35

kaninag
Posted

Thanks Ellisa!! Well, still no word ;)

That's ok no word is better than a denial......

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Ellisa    6

Ellisa
Posted

You are right, you haven't been denied and that's huge. When I called once and they told me that I hadn't met certain requirements, I thought that they must have lost 1/2 of my paperwork (which they had) and I thought it was a denial. When I got the letter that said "pended" I was really confused. But once I realized that it wasn't actually denied, I was relieved but still very concerned that it still could be denied. Eventually it all came together. I certainly hope it does for you. The waiting for approval seems eternity! But once you get it, things move along pretty quickly. I felt like I didn't really have time to get nervous about the surgery because of all the preparation.

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kaninag    35

kaninag
Posted

AAAAAAAAAAAAAAAAAAAAAAHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH!!!!!!

You know, after reading about a lot of ppl's speeding approvals I kinda expected mine to be fairly quick....I TOTALLY SHOULD HAVE KNOWN BETTER...this is crazy!!! STILL NO WORD!!!

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Ellisa    6

Ellisa
Posted

I understand perfectly. Even one of the ladies in my doc's office said she got her approval in 2 weeks, but that they are told to tell people it can take up to 6 weeks (which it did). Of course I wanted the two weeks.

Hang in there, I know it's hard, but keep coming here to AAAAAAARRRRRRRRRRRRR...

I hadn't told very many people under after I got my approval. So it was really hard going to work and being around people and not crying on their shoulders, but I could come here and AAAAAAAAARRRRRRRRRR away!

:heh:

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4jin    0

4jin
Posted

well I want to AAAAAARRRRRRRRR

I have not heard anything neither....I am also praying for a good XMAS spirit or a good New Years spirit and get and approval back....it's "under review' is what I was told last week...all 15 pages..my doc sent......is what they said...LOL...

ARRRRRAAAAARRRRRRRR

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destiny79    0

destiny79
Posted

OMG I am getting nervous for u guys I fiqured it was the end of the year and they would be approving people fast ... sorry but I FEEL APPROVAL VIBES FROM YOU GUYS

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