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2 year history for Aetna PPO
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I finally had my official first consult with my Dr. last week, and talked with the insurance liasion about a week before that.
Both are saying that Aetna has gotten very strict about the 2 year history.
I've decided to do the 3-month program, much of which I have to pay for out of pocket. My Dr. warned me, though, that Aetna may still not approve me because of the lack of history.
I am going to try putting together a photo portfolio and essay like I read here that some others have done.
My BMI is over 42, I don't have any co-morbidities, and the only medical history I have is last year's physical, which has me at just under 40 BMI. I also can get my kids' birth certificates (2004 and 2007) that show me at over 40 BMI at the times of their birth, but that may not be acceptable as gain during pregnancy is expected and doesn't show a 'normal' state, weight-wise. I had a birth center birth and a home birth, so no hospital or doctor records there.
Any ideas on what I might be able to do to improve my chances of approval? If it's a lost cause, then I want to know now before I have to pay for the 3-month program so I can start working on possible ways to self-pay.
His office is also having a contest right now for a free surgery - which, of course, I entered. I'll find out later today if I'm a semifinalist. Here's hoping!