BC/BS... bunch of idiots!!!!!!
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Okay, so I've called BC/BS of Western New York a few times this week trying to find out specifically what I needed to do to make sure I start the process correctly so they can't deny me down the road when it's surgery time.
The first girl I spoke with told me "oh, you don't have to do anything special, just find the doctor you want to use and then there's some paperwork you have to do". I thought to myself "yea right"
So I call again, the second girl tells me that they can't tell me what the requirements are or if my policy covers it. I tell her that according to the policy, it's covered if it's medical necessary. She says "oh, well I don't know how you prove that." Very helpful.
Finally, I call the health advocate line where I speak to a VERY nice girl. She tells me my doctor has to call this special number to get the requirments for whatever has to be done to show it's medically necessary... Do they really think doctors have all this extra time on their hands to do this????? oh, and by the way, the surgeon I've picked out accepts BC/BS, but not the specific policy I have.. so now I have to find a new surgeon. Joy of joys.
Okay, which brings me to my question. How in the WORLD do you navigate the joy of BC/BS of WNY?????