I have Cigna with a 36/37 BMI and I am on my 3rd appeal. My Primary Care Physician who is studying to be a fill doc in Smithtown, NY told me she has many patients who were turned down by their ins co only to be reimbursed after they paid out of pocket.

Anyone have this experience?

I do know a lot of people have mentioned submitting to their insurance co's and being reimbursed at least partially. Good luck!

I wouldn't assume that it will work that way. Insurance companies really do not want to pay if they don't have to, it is the nature of the business and they are there to make money just like the rest of us. A lot of insurance companies can deny because you were not pre-authorized for the procedure, regardless of whether they would have given final authorization down the road. It may happen for some people, but I am sure that is the exception rather than the rule.

Read your insurance policy, talk to them, gain as much information as you can beforehand and then choose your best route.