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

http://webmail.hitter.net

[Guest guest]

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

[Guest guest]

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

[Guest guest]

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

[Guest guest]

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!

> > >

> > 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]

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!

> > >

> > 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

> > >

> > >

> > >

> >

> >

> >

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>

>

>

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

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

> 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

>

>

>

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This mail sent through Hitter Communications Webmail

http://webmail.hitter.net