Cigna Process

[Dr.Vincent Polite LCMFT 3]

Hello Everyone,

It's very inspiring to see so many people taking charge of there lives for the good.

I have a few questions about getting banded.

1. I have disney cigna, what is the process you have to go throughwith them ?

2. Is the approval different with co-morbidities?

3. How good is U.S. Bariactrics for banding?

[Chunkymonkys 0]

Welcome! I would call the member service # on your CIGNA insurance card and tell them what you are wanting, and see if they can find out the requirements. I work for CIGNA, and every policy is different, but, most of them want a 6 month supervised diet, 5 years of weight loss history as well as a referral from your primary doctor stating that this surgery is medically necessary.

I started out by checking my benefits to make sure that it was not an exclusion on your policy (if it happens to be, then you dont even have to bother with insurance, they wont cover it no matter what) then I made an appointment with my family doctor and told him what I wanted and he made the referral to my surgeon and they worked with me at their office in regards to insurance.

Good luck!!

[wsw27 0]

Each Cigna plan is different. Your employer may decide to exclude certain procedures. You have to call the customer service number and ask about weight loss surgery. My cigna plan covers the surgery but requires a BMI of 40 or higher, 6 month medically supervised diet, 5 year weight history, letter from my PCP, psych evaluation (most surgeons require this too). With my plan if the BMI is between 35 and 39, you need co-morbidities, such as high blood pressure, sleep apena, etc. You may be able to look at the requirements for your plan on line. Good luck

[Dr.Vincent Polite LCMFT 3]

They do cover the surgery. i also have two co-morbidities does that change the 6 month requirement?

[Chunkymonkys 0]

They do cover the surgery. i also have two co-morbidities does that change the 6 month requirement?

no, you still have to go thru the 6 month supervised either way unfortunatly!

its a long process but worth it in the end