first bump in the road... newbie

[jeepchic 0]

So, i just called my insurance provider (Indepentent BCBS PPO out of PA) and was told that there are no in-network providers in my area ( I live in MA). I'm totally bummed about this. i'm just getting started and all ready there is something in my way. Anyone have this insurance that has had the same problem? Anyone in MA that has an out of state insurance that this has happened to? HELP!!! :thumbup:

[gabi311b 0]

I don't have that exact issue but I do have the issue that my roommate and I both have Aetna PPO in CA. We LOVE this surgeon and he is technically out of network for our insurance. The facility he uses however is an approved in-network facility so part of our surgery (the really expensive part, hopital stay, anesthesia) is covered. Maybe try and find a surgery center that is IN network and even if the surgeon is out but practices there then the cost isn't soooo bad. You do have to do a little manual adding and stuff but I think it's well worth it if it will save me money.

[babe134 0]

ok I am going to try and help i am in ca and have bc/bs of id when I called I was told almost the same thing and was given a surgeon who was in network however he wasnt labeled under bariatric just general. That being said you may have the same issue if you call general surgery dr and ask if the specialize in wls. the next step is what is you annual out of pocket??? mine is 1000 if use in network and 1200 if outside so for me if my dr was out of network would have only cost an extra 200 as I am having to go to my annual amount of out of pocket so the % covered really doesnt matter. If your out of pocket is a reasonable ammount all you need is a surgeon wo accepts bc/bs and the area where you live wont matter. I hope that helps :thumbup:

[jeepchic 0]

OMG!!!!!! I never even thought of that. I just went on my insurance website and the surgeon I was looking at is in-network under general surgeon. Thank you so much for the help!!!! Okay now I feel stupid. LOL!!

[jeepchic 0]

OMG!!!!!! I never even thought of that. I just went on my insurance website and the surgeon I was looking at is in-network under general surgeon. Thank you so much for the help!!!! Okay now I feel stupid. LOL!!

[babe134 0]

yeah I am glad it worked for you. Be aware bc/bs at least mine can make the process move quickly I began with orientation the 7th of october and am having surgery the 29th alot faster than I expected

[elaine3758 6]

Me too I have independence BC/BS and live in Az whole process took less than a month from approval to surgery. Approval given right away with the proper documentation.