Re: for those having insurance approval problems...

>

-----------------------------------------------------

This mail sent through Hitter Communications Webmail

> > http://click.egroups.com/1/5746/3/_/453517/_/961728030/

June 22, 2000

Judi--maybe you can offer to do Dr. R's laundry... walk his dog?

babysit his kids? carry his medical bag?

Best of Luck!

--a

> > Hi a,

> > Be carefull , this works sometimes , but not all the

> > time. My husband pays an arm and a leg for a PPO

> > policy so we can pick any DR and any Hospital and Any

> > Specialists.....BUT what they fail to tell you untill

> > you ask for pre-approval is that you are free to

> > choose these things in network. My network is

> > in SO. Carolina,Florida,Georgia, and Alabama. Dr R

> > is NO. Carolina so the fight begins. I now have

> > the hospital OK'D but they are dragging their feet

> > on the DR OK......go figure.....what will I do

> > in a hospital without a Dr?

> > Lv Judi in Fla

> >

> > Quoting a Mease-White :

> >

> > > I know this won't help most of you, but in case it

> > helps a few, I

> > > thought I'd throw it out there.

> > >

> > > My husbands owns a small company (60 employees) and

> > he is the person

> > > who makes the insurance decisions. We have Anthem

> > BC/BS of

> > > Connecticut, an " HMO " -type plan called " Blue Care. "

> > Just this week,

> > > I

> > > initiated the approval process for " out of network "

> > services. I

> > > should hear within the next week and a half or so.

> > >

> > > In the meantime, I was discussing with my husband

> > that the insurance

> > > company had told me that there are other BC/BS plans

> > that

> > > specifically

> > > allow for out-of-area services; essentially, you are

> > allowed to

> > > choose

> > > whatever doctors you want, wherever you want.

> > >

> > > My husband was familiar with these plans; he has one

> > employee (in

> > > Massachusetts) who has this type of plan, since our

> > Connecticut HMO

> > > doesn't really help him.

> > >

> > > Knowing that I was nervous about getting declined

> > under our current

> > > policy, my husband called the insurance rep today and

> > inquired as to

> > > how difficult it would be to switch me over to one of

> > the " open "

> > > plans. The rep is checking on whether this can be

> > done in the middle

> > > of the year, but assured my husband that it could

> > certainly be done

> > > at

> > > the end of the year.

> > >

> > > I'm hoping that I won't need to do this, but that

> > instead I'll get a

> > > letter (TOMORROW--I hate to wait--LOL) that I'll be

> > covered under our

> > > current plan.

> > >

> > > But for those of you having problems, and who don't

> > have the option

> > > with your employer to switch insurance companies--

> > perhaps you might

> > > want to consider approaching your employer about

> > switching plans

> > > within the existing insurance company. You'll likely

> > have to pay

> > > more monthly, but this is certainly preferable to

> > self-pay (or no

> > > surgery at all!), and you can switch back to the

> > cheaper plan the

> > > year

> > > following the surgery.

> > >

> > > Hope this helps someone out there!

> > >

> > > --a

> > > E-Mailed Form to Dr. R on 6/20

> > >

> > --------------------------------------------------------

> > ----------------

> > > STEALS AND DEALS! Cheapest prices on airfare, new

> > cars, insurance, maids,

> > > contractors, collectibles, more. Get exactly what you

> > want at the lowest

> > > price. New FREE service!

> > >

> > >

> > --------------------------------------------------------

> > ----------------

> > >

> > > This message is from the Mini-Gastric Bypass Mailing

> > List at Onelist.com

> > > Please visit our web site at http://clos.net

> > > Get the Patient Manual at

> > >

> >

> > -----------------------------------------------------

> > This mail sent through Hitter Communications Webmail

http://click.egroups.com/1/5746/3/_/453517/_/961728030/

June 22, 2000

I will keep my fingers crossed and say a prayer

also.....this can get mighty expensive.

Lv Judi

Quoting a Mease-White alexa@...>:

> Hi Judy--

>

> The best (and of course, most expensive!) policy that

BC/BS offers in

> our area really is " any doctor, anywhere, " which is

one level above

> the one you're describing. Owen (my hubby) had to

find out in

> advance

> so as to make sure that his out-of-state employee

would in fact be

> covered by this policy, and found out that our

equivalent of the one

> you're describing didn't cover the area where his out-

of-state

> employee lives.

>

> Bottom Line: If you're willing to pay for it, you

can usually get

> it.

>

> I'm still hoping that our current policy will

cover...I talked to one

> of Dr. R's former patients with the same plan that we

have and he was

> covered. I just like to have a contingency plan in

the works!

>

> Cross your fingers for me...

>

> --a

> E-Mailed Form to Dr. R on 6/20

> Waiting to hear from insurance company

> BC/BS of Connecticut

>

> > Hi a,

> > Be carefull , this works sometimes , but not all the

> > time. My husband pays an arm and a leg for a PPO

> > policy so we can pick any DR and any Hospital and

Any

> > Specialists.....BUT what they fail to tell you

untill

> > you ask for pre-approval is that you are free to

> > choose these things in network. My network is

> > in SO. Carolina,Florida,Georgia, and Alabama. Dr R

> > is NO. Carolina so the fight begins. I now have

> > the hospital OK'D but they are dragging their feet

> > on the DR OK......go figure.....what will I do

> > in a hospital without a Dr?

> > Lv Judi in Fla

> >

> > Quoting a Mease-White :

> >

> > > I know this won't help most of you, but in case it

> > helps a few, I

> > > thought I'd throw it out there.

> > >

> > > My husbands owns a small company (60 employees)

and

> > he is the person

> > > who makes the insurance decisions. We have Anthem

> > BC/BS of

> > > Connecticut, an " HMO " -type plan called " Blue

Care. "

> > Just this week,

> > > I

> > > initiated the approval process for " out of

network "

> > services. I

> > > should hear within the next week and a half or so.

> > >

> > > In the meantime, I was discussing with my husband

> > that the insurance

> > > company had told me that there are other BC/BS

plans

> > that

> > > specifically

> > > allow for out-of-area services; essentially, you

are

> > allowed to

> > > choose

> > > whatever doctors you want, wherever you want.

> > >

> > > My husband was familiar with these plans; he has

one

> > employee (in

> > > Massachusetts) who has this type of plan, since

our

> > Connecticut HMO

> > > doesn't really help him.

> > >

> > > Knowing that I was nervous about getting declined

> > under our current

> > > policy, my husband called the insurance rep today

and

> > inquired as to

> > > how difficult it would be to switch me over to

one of

> > the " open "

> > > plans. The rep is checking on whether this can be

> > done in the middle

> > > of the year, but assured my husband that it could

> > certainly be done

> > > at

> > > the end of the year.

> > >

> > > I'm hoping that I won't need to do this, but that

> > instead I'll get a

> > > letter (TOMORROW--I hate to wait--LOL) that I'll

be

> > covered under our

> > > current plan.

> > >

> > > But for those of you having problems, and who

don't

> > have the option

> > > with your employer to switch insurance companies--

> > perhaps you might

> > > want to consider approaching your employer about

> > switching plans

> > > within the existing insurance company. You'll

likely

> > have to pay

> > > more monthly, but this is certainly preferable to

> > self-pay (or no

> > > surgery at all!), and you can switch back to the

> > cheaper plan the

> > > year

> > > following the surgery.

> > >

> > > Hope this helps someone out there!

> > >

> > > --a

> > > E-Mailed Form to Dr. R on 6/20

> > >

> >

--------------------------------------------------------

> > ----------------

> > > STEALS AND DEALS! Cheapest prices on airfare, new

> > cars, insurance, maids,

> > > contractors, collectibles, more. Get exactly what

you

> > want at the lowest

> > > price. New FREE service!

> > >

> >

> > >

> >

--------------------------------------------------------

> > ----------------

> > >

> > > This message is from the Mini-Gastric Bypass

Mailing

> > List at Onelist.com

> > > Please visit our web site at http://clos.net

> > > Get the Patient Manual at

> > >

> >

-----------------------------------------------------

> > This mail sent through Hitter Communications Webmail

http://click.egroups.com/1/5205/3/_/453517/_/961735968/

>

--------------------------------------------------------

----------------

> Looking for Airfare deals?

> Visit Expedia.com for limited time offers

>

>

--------------------------------------------------------

----------------

>

> This message is from the Mini-Gastric Bypass Mailing

List at Onelist.com

> Please visit our web site at http://clos.net

> Get the Patient Manual at

>

-----------------------------------------------------

This mail sent through Hitter Communications Webmail

http://click.egroups.com/1/5746/3/_/453517/_/961728030/

June 22, 2000

I will keep my fingers crossed and say a prayer

also.....this can get mighty expensive.

Lv Judi

Quoting a Mease-White alexa@...>:

> Hi Judy--

>

> The best (and of course, most expensive!) policy that

BC/BS offers in

> our area really is " any doctor, anywhere, " which is

one level above

> the one you're describing. Owen (my hubby) had to

find out in

> advance

> so as to make sure that his out-of-state employee

would in fact be

> covered by this policy, and found out that our

equivalent of the one

> you're describing didn't cover the area where his out-

of-state

> employee lives.

>

> Bottom Line: If you're willing to pay for it, you

can usually get

> it.

>

> I'm still hoping that our current policy will

cover...I talked to one

> of Dr. R's former patients with the same plan that we

have and he was

> covered. I just like to have a contingency plan in

the works!

>

> Cross your fingers for me...

>

> --a

> E-Mailed Form to Dr. R on 6/20

> Waiting to hear from insurance company

> BC/BS of Connecticut

>

> > Hi a,

> > Be carefull , this works sometimes , but not all the

> > time. My husband pays an arm and a leg for a PPO

> > policy so we can pick any DR and any Hospital and

Any

> > Specialists.....BUT what they fail to tell you

untill

> > you ask for pre-approval is that you are free to

> > choose these things in network. My network is

> > in SO. Carolina,Florida,Georgia, and Alabama. Dr R

> > is NO. Carolina so the fight begins. I now have

> > the hospital OK'D but they are dragging their feet

> > on the DR OK......go figure.....what will I do

> > in a hospital without a Dr?

> > Lv Judi in Fla

> >

> > Quoting a Mease-White :

> >

> > > I know this won't help most of you, but in case it

> > helps a few, I

> > > thought I'd throw it out there.

> > >

> > > My husbands owns a small company (60 employees)

and

> > he is the person

> > > who makes the insurance decisions. We have Anthem

> > BC/BS of

> > > Connecticut, an " HMO " -type plan called " Blue

Care. "

> > Just this week,

> > > I

> > > initiated the approval process for " out of

network "

> > services. I

> > > should hear within the next week and a half or so.

> > >

> > > In the meantime, I was discussing with my husband

> > that the insurance

> > > company had told me that there are other BC/BS

plans

> > that

> > > specifically

> > > allow for out-of-area services; essentially, you

are

> > allowed to

> > > choose

> > > whatever doctors you want, wherever you want.

> > >

> > > My husband was familiar with these plans; he has

one

> > employee (in

> > > Massachusetts) who has this type of plan, since

our

> > Connecticut HMO

> > > doesn't really help him.

> > >

> > > Knowing that I was nervous about getting declined

> > under our current

> > > policy, my husband called the insurance rep today

and

> > inquired as to

> > > how difficult it would be to switch me over to

one of

> > the " open "

> > > plans. The rep is checking on whether this can be

> > done in the middle

> > > of the year, but assured my husband that it could

> > certainly be done

> > > at

> > > the end of the year.

> > >

> > > I'm hoping that I won't need to do this, but that

> > instead I'll get a

> > > letter (TOMORROW--I hate to wait--LOL) that I'll

be

> > covered under our

> > > current plan.

> > >

> > > But for those of you having problems, and who

don't

> > have the option

> > > with your employer to switch insurance companies--

> > perhaps you might

> > > want to consider approaching your employer about

> > switching plans

> > > within the existing insurance company. You'll

likely

> > have to pay

> > > more monthly, but this is certainly preferable to

> > self-pay (or no

> > > surgery at all!), and you can switch back to the

> > cheaper plan the

> > > year

> > > following the surgery.

> > >

> > > Hope this helps someone out there!

> > >

> > > --a

> > > E-Mailed Form to Dr. R on 6/20

> > >

> >

--------------------------------------------------------

> > ----------------

> > > STEALS AND DEALS! Cheapest prices on airfare, new

> > cars, insurance, maids,

> > > contractors, collectibles, more. Get exactly what

you

> > want at the lowest

> > > price. New FREE service!

> > >

> >

> > >

> >

--------------------------------------------------------

> > ----------------

> > >

> > > This message is from the Mini-Gastric Bypass

Mailing

> > List at Onelist.com

> > > Please visit our web site at http://clos.net

> > > Get the Patient Manual at

> > >

> >

-----------------------------------------------------

> > This mail sent through Hitter Communications Webmail

http://click.egroups.com/1/5205/3/_/453517/_/961735968/

>

--------------------------------------------------------

----------------

> Looking for Airfare deals?

> Visit Expedia.com for limited time offers

>

>

--------------------------------------------------------

----------------

>

> This message is from the Mini-Gastric Bypass Mailing

List at Onelist.com

> Please visit our web site at http://clos.net

> Get the Patient Manual at

>

-----------------------------------------------------

This mail sent through Hitter Communications Webmail

http://click.egroups.com/1/5746/3/_/453517/_/961728030/

June 22, 2000

I will keep my fingers crossed and say a prayer

also.....this can get mighty expensive.

Lv Judi

Quoting a Mease-White alexa@...>:

> Hi Judy--

>

> The best (and of course, most expensive!) policy that

BC/BS offers in

> our area really is " any doctor, anywhere, " which is

one level above

> the one you're describing. Owen (my hubby) had to

find out in

> advance

> so as to make sure that his out-of-state employee

would in fact be

> covered by this policy, and found out that our

equivalent of the one

> you're describing didn't cover the area where his out-

of-state

> employee lives.

>

> Bottom Line: If you're willing to pay for it, you

can usually get

> it.

>

> I'm still hoping that our current policy will

cover...I talked to one

> of Dr. R's former patients with the same plan that we

have and he was

> covered. I just like to have a contingency plan in

the works!

>

> Cross your fingers for me...

>

> --a

> E-Mailed Form to Dr. R on 6/20

> Waiting to hear from insurance company

> BC/BS of Connecticut

>

> > Hi a,

> > Be carefull , this works sometimes , but not all the

> > time. My husband pays an arm and a leg for a PPO

> > policy so we can pick any DR and any Hospital and

Any

> > Specialists.....BUT what they fail to tell you

untill

> > you ask for pre-approval is that you are free to

> > choose these things in network. My network is

> > in SO. Carolina,Florida,Georgia, and Alabama. Dr R

> > is NO. Carolina so the fight begins. I now have

> > the hospital OK'D but they are dragging their feet

> > on the DR OK......go figure.....what will I do

> > in a hospital without a Dr?

> > Lv Judi in Fla

> >

> > Quoting a Mease-White :

> >

> > > I know this won't help most of you, but in case it

> > helps a few, I

> > > thought I'd throw it out there.

> > >

> > > My husbands owns a small company (60 employees)

and

> > he is the person

> > > who makes the insurance decisions. We have Anthem

> > BC/BS of

> > > Connecticut, an " HMO " -type plan called " Blue

Care. "

> > Just this week,

> > > I

> > > initiated the approval process for " out of

network "

> > services. I

> > > should hear within the next week and a half or so.

> > >

> > > In the meantime, I was discussing with my husband

> > that the insurance

> > > company had told me that there are other BC/BS

plans

> > that

> > > specifically

> > > allow for out-of-area services; essentially, you

are

> > allowed to

> > > choose

> > > whatever doctors you want, wherever you want.

> > >

> > > My husband was familiar with these plans; he has

one

> > employee (in

> > > Massachusetts) who has this type of plan, since

our

> > Connecticut HMO

> > > doesn't really help him.

> > >

> > > Knowing that I was nervous about getting declined

> > under our current

> > > policy, my husband called the insurance rep today

and

> > inquired as to

> > > how difficult it would be to switch me over to

one of

> > the " open "

> > > plans. The rep is checking on whether this can be

> > done in the middle

> > > of the year, but assured my husband that it could

> > certainly be done

> > > at

> > > the end of the year.

> > >

> > > I'm hoping that I won't need to do this, but that

> > instead I'll get a

> > > letter (TOMORROW--I hate to wait--LOL) that I'll

be

> > covered under our

> > > current plan.

> > >

> > > But for those of you having problems, and who

don't

> > have the option

> > > with your employer to switch insurance companies--

> > perhaps you might

> > > want to consider approaching your employer about

> > switching plans

> > > within the existing insurance company. You'll

likely

> > have to pay

> > > more monthly, but this is certainly preferable to

> > self-pay (or no

> > > surgery at all!), and you can switch back to the

> > cheaper plan the

> > > year

> > > following the surgery.

> > >

> > > Hope this helps someone out there!

> > >

> > > --a

> > > E-Mailed Form to Dr. R on 6/20

> > >

> >

--------------------------------------------------------

> > ----------------

> > > STEALS AND DEALS! Cheapest prices on airfare, new

> > cars, insurance, maids,

> > > contractors, collectibles, more. Get exactly what

you

> > want at the lowest

> > > price. New FREE service!

> > >

> >

> > >

> >

--------------------------------------------------------

> > ----------------

> > >

> > > This message is from the Mini-Gastric Bypass

Mailing

> > List at Onelist.com

> > > Please visit our web site at http://clos.net

> > > Get the Patient Manual at

> > >

> >

-----------------------------------------------------

> > This mail sent through Hitter Communications Webmail

http://click.egroups.com/1/5205/3/_/453517/_/961735968/

>

--------------------------------------------------------

----------------

> Looking for Airfare deals?

> Visit Expedia.com for limited time offers

>

>

--------------------------------------------------------

----------------

>

> This message is from the Mini-Gastric Bypass Mailing

List at Onelist.com

> Please visit our web site at http://clos.net

> Get the Patient Manual at

>

-----------------------------------------------------

This mail sent through Hitter Communications Webmail