Insurance changing at the last minute!

[laurileet 86]

I just found out that my insurance through work will be changing RIGHT before surgery. My date is June 5 - insurance changes over to a new company on June 1. I'm working with our insurance rep to make sure there's no delays but man-o-man i'm nervous now! anyone else go through this? going from United Healthcare to Cigna. I did find out that my surgeon is IN network, but awaiting news on approval. ugh.

[FluffyChix 17,418]

Can you move the date of surgery up a week?

[elforman 234]

Just because the surgeon is in network does not automatically imply that your new coverage will include bariatric surgery. I strongly suggest that you consult your HR/benefits team to ensure that bariatric surgery and weight loss services are not excluded in the new policy.

On the right side, there are times when one company will continue to cover you for a procedure like this that is already underway so that you do not experience an interruption in treatment. This may not qualify because those arrangements are usually reserved for treatment of severe injuries or pregnancy, but it never hurts to ask.

[allwet 868]

as elf mentioned above coverage may carry forward but is usually limited to after care that is ongoing. You really need to confirm that new insurance covers wls or get surgeon to bump you up a week then after care will covered (dependent on your state law)

good luck

[Orchids&Dragons 9,047]

I had been planning on surgery in January, but our insurance changed Jan. 1. It was covered under the new insurance, but I had to get re-approved. (I didn't have to re-do the process, but the doctor's office had to re-submit the paperwork for approval.)

[laurileet 86]

my company HR guy and the rep for insurance is working hard to fast track me to approval. the surgery is covered, just have to get those pesky papwork people to move it fast. worst case scenario, my surgery gets pushed back a month or so. sad but not the crime of the century. fingers crossed!

[Orchids&Dragons 9,047]

11 minutes ago, laurileet said:

my company HR guy and the rep for insurance is working hard to fast track me to approval. the surgery is covered, just have to get those pesky papwork people to move it fast. worst case scenario, my surgery gets pushed back a month or so. sad but not the crime of the century. fingers crossed!

Best wishes for that fast-track!

[laurileet 86]

Great news!!!! My surgery has been moved up. No longer June 5, it's now May 29. This means that my current insurance will still be covering me AND they've sent me my approval letter. All duckies have lined up in a happy little row. I'M SO EXCITED !!!!!!!!

[Orchids&Dragons 9,047]

2 minutes ago, laurileet said:

Great news!!!! My surgery has been moved up. No longer June 5, it's now May 29. This means that my current insurance will still be covering me AND they've sent me my approval letter. All duckies have lined up in a happy little row. I'M SO EXCITED !!!!!!!!

Yeah!!!