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Insurance approval-Stressed out!!!

cwhisnant

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cwhisnant    3

cwhisnant
Posted

While in the process of doing my requirements for WLS my husband was laid off 3 weeks ago, and we are on his insurance. All I had left to do was my mental health evaluation, finally got that done this past Monday, just waiting on the report to be sent to my Doctor, then they will send for approval. We are able to keep Cobra coverage until August. I am so afraid they won’t approve me just because we are Cobra, what if they just think they can hold out until we are no longer on the plan!!!

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Rocky_Mountain_Mama    25

Rocky_Mountain_Mama
Posted

I am an employee benefits professional and if you elect COBRA you should be fine. The employer is required by law to treat COBRA participants exactly as they do actively employed participants. You might have some hiccups from it going from active to COBRA coverage, just in terms of one ending and one starting, depending on how quickly you elect the coverage and make your payment. That is easily sorted out once they receive your COBRA Payment and reactivate your coverage. I am SO SORRY that your husband lost his job. That just makes it all so much more stressful.

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cwhisnant    3

cwhisnant
Posted

Thanks, I didn’t want there to be a gap, so we didn’t wait for paperwork. My husband got on the phone the week it happened & got us the website & we signed up online & paid,, so our effective date was in the system before the other ended. If this doesn’t work out & we end up having to go on my insurance, it excludes WLS. I know this corona virus has effected so many people & it’s stressful times!!!

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Rocky_Mountain_Mama    25

Rocky_Mountain_Mama
Posted

You should be just fine!! Take a deep breath and keep us posted when your surgery is scheduled! :)

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ChubRub    1,709

ChubRub
Posted

You will be fine!! My insurance expired 12/31 (b/c my employer was changing plans) and I had my surgery on 12/18, and had no problems getting it approved. It would be considered "bad faith" to deny someone who is on COBRA, etc. Best of luck to you!!

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cwhisnant    3

cwhisnant
Posted

Thanks!!! I know we are blessed that the company is still going to pay their portion for a few months & we just have to pay what was being taken out of my husband’s checks, there is no way we could have paid full Cobra. So hopefully it’s all ment to be!!!
Thanks for the reassurance!!!

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cwhisnant    3

cwhisnant
Posted

And the wait begins!!! Submitted for approval yesterday!!!

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Rocky_Mountain_Mama    25

Rocky_Mountain_Mama
Posted

Fantastic!! Hopefully that approval comes quickly!!! I had mine in a few days once it was submitted. It’s moving forward!! Yahoo!!

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cwhisnant    3

cwhisnant
Posted

Well so much for being submitted last Friday. The insurance coordinator couldn’t even figure what # to call to start the process!!!
I guess they don’t deal with Anthem BCBS ever. I had Anthem email her the # this afternoon, so we shall see. Between Covid & all the delays, my 6 continuous months of a weight loss program within the last 2 years may be out of date!!!

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Go To Topic Listing Gastric Bypass Surgery Forums

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      I am new here today... and only two weeks out from my sleeve surgery on the 23rd. I am amazed I have kept my calories down to 467 today so far... that leaves me almost 750 left for dinner and maybe a snack. This is going to be tough for two weeks... but I have to believe I can do it!
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    • Doughgurl

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      Hey everyone. I'm new here so I thought I should introduce myself. I am 53y/o and am scheduled for Gastric Bypass on June 25th, 2025. I'm located in San Antonio, Texas. I will be having my surgery in Tiajuana Mexico. I've wanted this for years, but I always had insurance where bariatric procedures were excluded. Finally I am able to afford to pay out of pocket.  I can't wait to get started, and I hope I'm prepared for the initial period of "hell". I know what I have signed up for, but I'm sure the good to come will out way the temporary period of discomfort and feelings of regret. I'd love to find people to talk to who have been through the same procedure or experience before. So I look forward to meeting you all. Hope you have a great week!
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    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. LeighaTR

        LeighaTR

        I hope your surgery on Wednesday goes well. You will be able to do all sorts of new things as you find your new normal after surgery. I don't know this from experience yet, but I am seeing a lot of positive things from people who have had it done. Best of luck!

    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

    • CaseyP1011

      CaseyP1011

      Officially here for a long time, not just a good time💪
      · 0 replies
      1. This update has no replies.

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