Re: Maybe a lucky insurance break

[Guest guest]

Jeffi,

Let me be first in line for the info! I too have Cigna

(HMO) and they of course don't want me to go out of

network. I think I will have 4 to 5 letters from my

doctor, and specialists to back up my desire and need

for the DS. If they deny my consultation with Dr.

Hess, I'll send them all out (they all ready have one

letter from my pcp). I'm holding the " big guns " back

until I see if they deny me or not. Anyway, thanks for

the offer for info. I hope to hear from you soon. Good

luck on your quest for approval too! Angel

--- Jeffigirl@... wrote:

> Howdy ya'll! When I got to work today, there was an

> announcement that CIGNA

> would be on-site this Thursday. Anyone with CIGNA

> insurance (our company

> let's you pick between 3 different insurance

> companies) can sit down

> face-to-face with a CIGNA Rep and discuss any

> questions, issues, or problems.

> I am praying this might be a foot in the insurance

> door for me!! From

> reading the post, I know that CIGNA isn't the best

> insurance company to work

> with for DS. I'll let all the CIGNA people here

> know if I get any helpful

> information, just email me and I'll share what I

> learn.

>

> -Jeffi

>

__________________________________________________

[Guest guest]

Jeffi,

Let me be first in line for the info! I too have Cigna

(HMO) and they of course don't want me to go out of

network. I think I will have 4 to 5 letters from my

doctor, and specialists to back up my desire and need

for the DS. If they deny my consultation with Dr.

Hess, I'll send them all out (they all ready have one

letter from my pcp). I'm holding the " big guns " back

until I see if they deny me or not. Anyway, thanks for

the offer for info. I hope to hear from you soon. Good

luck on your quest for approval too! Angel

--- Jeffigirl@... wrote:

> Howdy ya'll! When I got to work today, there was an

> announcement that CIGNA

> would be on-site this Thursday. Anyone with CIGNA

> insurance (our company

> let's you pick between 3 different insurance

> companies) can sit down

> face-to-face with a CIGNA Rep and discuss any

> questions, issues, or problems.

> I am praying this might be a foot in the insurance

> door for me!! From

> reading the post, I know that CIGNA isn't the best

> insurance company to work

> with for DS. I'll let all the CIGNA people here

> know if I get any helpful

> information, just email me and I'll share what I

> learn.

>

> -Jeffi

>

__________________________________________________

[Guest guest]

I currently working on Cigna too... I recently spoke to a rep on the

phone and asked her under what critera would I be able to go out of

network and she said that if I am approved for ds and they do not have

a in network provider then they have to pay for the ds at in network

rates...

I do have a back up plan, I spoke to Cigna earlier and told that I may

be moving to ca for an extended visit (I live in Az) I asked them if I

would be able to pay extra to have coverage in that area. The rep told

me about an option called guesting were you can switch your insurance

to another state for 90 days, that way you can visit a pcp there for

your normal co pay. So my thinking is that If they approve wls but not

ds I just " guest " to ca get a pcp there and get the surgery I want

with no network problems... far fetched I know but there is always

hope!!!

Ann

> > Howdy ya'll! When I got to work today, there was an

> > announcement that CIGNA

> > would be on-site this Thursday. Anyone with CIGNA

> > insurance (our company

> > let's you pick between 3 different insurance

> > companies) can sit down

> > face-to-face with a CIGNA Rep and discuss any

> > questions, issues, or problems.

> > I am praying this might be a foot in the insurance

> > door for me!! From

> > reading the post, I know that CIGNA isn't the best

> > insurance company to work

> > with for DS. I'll let all the CIGNA people here

> > know if I get any helpful

> > information, just email me and I'll share what I

> > learn.

> >

> > -Jeffi

> >

>

>

> __________________________________________________

>

[Guest guest]

ann,

I have Cigna also and am working on the dreaded " out

of network " problem. I don't think I quite understand

how using the guesting that way is going to work. Did

you mean that they don't have an in network surgeon to

do the DS in your current area, but you found one in

CA (or AZ) and so you would go there? Or are you just

having a problem finding a pcp who will give a

referral to a DS surgeon? Sorry to be so confused but

if that works for you I want to make sure I understand

it so maybe I can use it if necessary! Thanks, Angel

--- julieann85234@... wrote:

> I currently working on Cigna too... I recently spoke

> to a rep on the

> phone and asked her under what critera would I be

> able to go out of

> network and she said that if I am approved for ds

> and they do not have

> a in network provider then they have to pay for the

> ds at in network

> rates...

>

> I do have a back up plan, I spoke to Cigna earlier

> and told that I may

> be moving to ca for an extended visit (I live in Az)

> I asked them if I

> would be able to pay extra to have coverage in that

> area. The rep told

> me about an option called guesting were you can

> switch your insurance

> to another state for 90 days, that way you can visit

> a pcp there for

> your normal co pay. So my thinking is that If they

> approve wls but not

> ds I just " guest " to ca get a pcp there and get the

> surgery I want

> with no network problems... far fetched I know but

> there is always

> hope!!!

>

> Ann

>

>

> > > Howdy ya'll! When I got to work today, there

> was an

> > > announcement that CIGNA

> > > would be on-site this Thursday. Anyone with

> CIGNA

> > > insurance (our company

> > > let's you pick between 3 different insurance

> > > companies) can sit down

> > > face-to-face with a CIGNA Rep and discuss any

> > > questions, issues, or problems.

> > > I am praying this might be a foot in the

> insurance

> > > door for me!! From

> > > reading the post, I know that CIGNA isn't the

> best

> > > insurance company to work

> > > with for DS. I'll let all the CIGNA people here

> > > know if I get any helpful

> > > information, just email me and I'll share what I

> > > learn.

> > >

> > > -Jeffi

> > >

> >

> >

> > __________________________________________________

> >

[Guest guest]

ann,

I have Cigna also and am working on the dreaded " out

of network " problem. I don't think I quite understand

how using the guesting that way is going to work. Did

you mean that they don't have an in network surgeon to

do the DS in your current area, but you found one in

CA (or AZ) and so you would go there? Or are you just

having a problem finding a pcp who will give a

referral to a DS surgeon? Sorry to be so confused but

if that works for you I want to make sure I understand

it so maybe I can use it if necessary! Thanks, Angel

--- julieann85234@... wrote:

> I currently working on Cigna too... I recently spoke

> to a rep on the

> phone and asked her under what critera would I be

> able to go out of

> network and she said that if I am approved for ds

> and they do not have

> a in network provider then they have to pay for the

> ds at in network

> rates...

>

> I do have a back up plan, I spoke to Cigna earlier

> and told that I may

> be moving to ca for an extended visit (I live in Az)

> I asked them if I

> would be able to pay extra to have coverage in that

> area. The rep told

> me about an option called guesting were you can

> switch your insurance

> to another state for 90 days, that way you can visit

> a pcp there for

> your normal co pay. So my thinking is that If they

> approve wls but not

> ds I just " guest " to ca get a pcp there and get the

> surgery I want

> with no network problems... far fetched I know but

> there is always

> hope!!!

>

> Ann

>

>

> > > Howdy ya'll! When I got to work today, there

> was an

> > > announcement that CIGNA

> > > would be on-site this Thursday. Anyone with

> CIGNA

> > > insurance (our company

> > > let's you pick between 3 different insurance

> > > companies) can sit down

> > > face-to-face with a CIGNA Rep and discuss any

> > > questions, issues, or problems.

> > > I am praying this might be a foot in the

> insurance

> > > door for me!! From

> > > reading the post, I know that CIGNA isn't the

> best

> > > insurance company to work

> > > with for DS. I'll let all the CIGNA people here

> > > know if I get any helpful

> > > information, just email me and I'll share what I

> > > learn.

> > >

> > > -Jeffi

> > >

> >

> >

> > __________________________________________________

> >

[Guest guest]

ann,

I have Cigna also and am working on the dreaded " out

of network " problem. I don't think I quite understand

how using the guesting that way is going to work. Did

you mean that they don't have an in network surgeon to

do the DS in your current area, but you found one in

CA (or AZ) and so you would go there? Or are you just

having a problem finding a pcp who will give a

referral to a DS surgeon? Sorry to be so confused but

if that works for you I want to make sure I understand

it so maybe I can use it if necessary! Thanks, Angel

--- julieann85234@... wrote:

> I currently working on Cigna too... I recently spoke

> to a rep on the

> phone and asked her under what critera would I be

> able to go out of

> network and she said that if I am approved for ds

> and they do not have

> a in network provider then they have to pay for the

> ds at in network

> rates...

>

> I do have a back up plan, I spoke to Cigna earlier

> and told that I may

> be moving to ca for an extended visit (I live in Az)

> I asked them if I

> would be able to pay extra to have coverage in that

> area. The rep told

> me about an option called guesting were you can

> switch your insurance

> to another state for 90 days, that way you can visit

> a pcp there for

> your normal co pay. So my thinking is that If they

> approve wls but not

> ds I just " guest " to ca get a pcp there and get the

> surgery I want

> with no network problems... far fetched I know but

> there is always

> hope!!!

>

> Ann

>

>

> > > Howdy ya'll! When I got to work today, there

> was an

> > > announcement that CIGNA

> > > would be on-site this Thursday. Anyone with

> CIGNA

> > > insurance (our company

> > > let's you pick between 3 different insurance

> > > companies) can sit down

> > > face-to-face with a CIGNA Rep and discuss any

> > > questions, issues, or problems.

> > > I am praying this might be a foot in the

> insurance

> > > door for me!! From

> > > reading the post, I know that CIGNA isn't the

> best

> > > insurance company to work

> > > with for DS. I'll let all the CIGNA people here

> > > know if I get any helpful

> > > information, just email me and I'll share what I

> > > learn.

> > >

> > > -Jeffi

> > >

> >

> >

> > __________________________________________________

> >

[Guest guest]

Angel,

I live in az and was denied for 2 reasons; 1. dr k is out of network

and 2. they said I don't met the critera. I do meet the critera so I

should be ok there, so I am only worried about the out of network

problem. If I get approved but they want me to stay in network (there

are no ds dr's in az) My plan is to tell them I am moving to ca for 90

days and would like to switch my benifits there for 90 days. Then I

will be able to use dr k with no network problems!! (at least thats

the idea I have no idea if it will work!)

Ann

> > > > Howdy ya'll! When I got to work today, there

> > was an

> > > > announcement that CIGNA

> > > > would be on-site this Thursday. Anyone with

> > CIGNA

> > > > insurance (our company

> > > > let's you pick between 3 different insurance

> > > > companies) can sit down

> > > > face-to-face with a CIGNA Rep and discuss any

> > > > questions, issues, or problems.

> > > > I am praying this might be a foot in the

> > insurance

> > > > door for me!! From

> > > > reading the post, I know that CIGNA isn't the

> > best

> > > > insurance company to work

> > > > with for DS. I'll let all the CIGNA people here

> > > > know if I get any helpful

> > > > information, just email me and I'll share what I

> > > > learn.

> > > >

> > > > -Jeffi

> > > >

> > >

> > >

> > > __________________________________________________

> > >

[Guest guest]

If you don't get a reply to your questions his name is Dr. Keshishian in

Delano, I think you're talking about. You can check out postings for him

on the AMOS site.

Good Luck

[Guest guest]

If you don't get a reply to your questions his name is Dr. Keshishian in

Delano, I think you're talking about. You can check out postings for him

on the AMOS site.

Good Luck

[Guest guest]

ann,

Hi-Why would they deny you coverage when they don't offer a surgeon in AZ

who does the DS? If they will admit that you need the surgery, then it

seems to me it's their fault for not providing adequate surgeon

coverage.Good Luck with all of it! Let me know if your " guest " plan

works.Carol

>From: julieann85234@...

>Reply-To: duodenalswitch

>To: duodenalswitch

>Subject: Re: Maybe a lucky insurance break

>Date: Thu, 26 Apr 2001 19:01:11 -0000

>

>Angel,

> I live in az and was denied for 2 reasons; 1. dr k is out of network

>and 2. they said I don't met the critera. I do meet the critera so I

>should be ok there, so I am only worried about the out of network

>problem. If I get approved but they want me to stay in network (there

>are no ds dr's in az) My plan is to tell them I am moving to ca for 90

>days and would like to switch my benifits there for 90 days. Then I

>will be able to use dr k with no network problems!! (at least thats

>the idea I have no idea if it will work!)

>

>Ann

>

>

>

>

>

> > > > > Howdy ya'll! When I got to work today, there

> > > was an

> > > > > announcement that CIGNA

> > > > > would be on-site this Thursday. Anyone with

> > > CIGNA

> > > > > insurance (our company

> > > > > let's you pick between 3 different insurance

> > > > > companies) can sit down

> > > > > face-to-face with a CIGNA Rep and discuss any

> > > > > questions, issues, or problems.

> > > > > I am praying this might be a foot in the

> > > insurance

> > > > > door for me!! From

> > > > > reading the post, I know that CIGNA isn't the

> > > best

> > > > > insurance company to work

> > > > > with for DS. I'll let all the CIGNA people here

> > > > > know if I get any helpful

> > > > > information, just email me and I'll share what I

> > > > > learn.

> > > > >

> > > > > -Jeffi

> > > > >

> > > >

> > > >

> > > > __________________________________________________

> > > >

[Guest guest]

ann,

Hi-Why would they deny you coverage when they don't offer a surgeon in AZ

who does the DS? If they will admit that you need the surgery, then it

seems to me it's their fault for not providing adequate surgeon

coverage.Good Luck with all of it! Let me know if your " guest " plan

works.Carol

>From: julieann85234@...

>Reply-To: duodenalswitch

>To: duodenalswitch

>Subject: Re: Maybe a lucky insurance break

>Date: Thu, 26 Apr 2001 19:01:11 -0000

>

>Angel,

> I live in az and was denied for 2 reasons; 1. dr k is out of network

>and 2. they said I don't met the critera. I do meet the critera so I

>should be ok there, so I am only worried about the out of network

>problem. If I get approved but they want me to stay in network (there

>are no ds dr's in az) My plan is to tell them I am moving to ca for 90

>days and would like to switch my benifits there for 90 days. Then I

>will be able to use dr k with no network problems!! (at least thats

>the idea I have no idea if it will work!)

>

>Ann

>

>

>

>

>

> > > > > Howdy ya'll! When I got to work today, there

> > > was an

> > > > > announcement that CIGNA

> > > > > would be on-site this Thursday. Anyone with

> > > CIGNA

> > > > > insurance (our company

> > > > > let's you pick between 3 different insurance

> > > > > companies) can sit down

> > > > > face-to-face with a CIGNA Rep and discuss any

> > > > > questions, issues, or problems.

> > > > > I am praying this might be a foot in the

> > > insurance

> > > > > door for me!! From

> > > > > reading the post, I know that CIGNA isn't the

> > > best

> > > > > insurance company to work

> > > > > with for DS. I'll let all the CIGNA people here

> > > > > know if I get any helpful

> > > > > information, just email me and I'll share what I

> > > > > learn.

> > > > >

> > > > > -Jeffi

> > > > >

> > > >

> > > >

> > > > __________________________________________________

> > > >

[Guest guest]

ann,

Hi-Why would they deny you coverage when they don't offer a surgeon in AZ

who does the DS? If they will admit that you need the surgery, then it

seems to me it's their fault for not providing adequate surgeon

coverage.Good Luck with all of it! Let me know if your " guest " plan

works.Carol

>From: julieann85234@...

>Reply-To: duodenalswitch

>To: duodenalswitch

>Subject: Re: Maybe a lucky insurance break

>Date: Thu, 26 Apr 2001 19:01:11 -0000

>

>Angel,

> I live in az and was denied for 2 reasons; 1. dr k is out of network

>and 2. they said I don't met the critera. I do meet the critera so I

>should be ok there, so I am only worried about the out of network

>problem. If I get approved but they want me to stay in network (there

>are no ds dr's in az) My plan is to tell them I am moving to ca for 90

>days and would like to switch my benifits there for 90 days. Then I

>will be able to use dr k with no network problems!! (at least thats

>the idea I have no idea if it will work!)

>

>Ann

>

>

>

>

>

> > > > > Howdy ya'll! When I got to work today, there

> > > was an

> > > > > announcement that CIGNA

> > > > > would be on-site this Thursday. Anyone with

> > > CIGNA

> > > > > insurance (our company

> > > > > let's you pick between 3 different insurance

> > > > > companies) can sit down

> > > > > face-to-face with a CIGNA Rep and discuss any

> > > > > questions, issues, or problems.

> > > > > I am praying this might be a foot in the

> > > insurance

> > > > > door for me!! From

> > > > > reading the post, I know that CIGNA isn't the

> > > best

> > > > > insurance company to work

> > > > > with for DS. I'll let all the CIGNA people here

> > > > > know if I get any helpful

> > > > > information, just email me and I'll share what I

> > > > > learn.

> > > > >

> > > > > -Jeffi

> > > > >

> > > >

> > > >

> > > > __________________________________________________

> > > >