Re: for those having insurance approval problems...

[Guest guest]

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 alexa@...>:

> 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!

>

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

>

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

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

>

> 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

http://clos.net/get_patient_manual.htm

>

>

>

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

This mail sent through Hitter Communications Webmail

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[Guest guest]

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!

> >

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

> >

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

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

> >

> > 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

> http://clos.net/get_patient_manual.htm

> >

> >

> >

>

>

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

> This mail sent through Hitter Communications Webmail

> http://webmail.hitter.net

[Guest guest]

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!

> >

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

> >

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

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

> >

> > 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

> http://clos.net/get_patient_manual.htm

> >

> >

> >

>

>

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

> This mail sent through Hitter Communications Webmail

> http://webmail.hitter.net

[Guest guest]

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!

> >

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

> >

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

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

> >

> > 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

> http://clos.net/get_patient_manual.htm

> >

> >

> >

>

>

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

> This mail sent through Hitter Communications Webmail

> http://webmail.hitter.net

[Guest guest]

Thanks ,***************

Where do you stand in this whole process? Do you have

a date? Any prob with your Ins.? Is your packet in?

.....kind of sounds like a Spanish Inquisition

sorry....

Lv Judi in Fla

Quoting gardiner@...:

> Judi, your half way there,keep up the good work.

That more than alot

> of us have accomplished.

>

>

>

>

>

> > 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!

> > >

> >

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

> > >

> >

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

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

> > >

> > > 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

> > http://clos.net/get_patient_manual.htm

> > >

> > >

> > >

> >

> >

> >

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

> > This mail sent through Hitter Communications Webmail

> > http://webmail.hitter.net

>

>

>

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

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

> 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!

>

http://click.egroups.com/1/5746/3/_/453517/_/961735875/

>

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

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

>

> 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

http://clos.net/get_patient_manual.htm

>

>

>

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

This mail sent through Hitter Communications Webmail

http://webmail.hitter.net