My journey ends before it starts

[Guest guest]

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

[Guest guest]

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

[Guest guest]

I was in my surgeons office the other day and a lady that was in there said

the same thing. If I remember correctly she was told that Cigna will no

longer pay for it in Texas, (this is probably something they just told her)

but it appears it must be everywhere. My step-daughter works for Cigna and

I will ask her about this subject and see what she says.

If I am not mistaken shouldn't ANY insurance company notify you in writing

BEFORE ANY exclusions are written to your policy?

I am so sorry that you have this news. I am currently awaiting insurance

approval. I have Unicare and I am afraid they will deny me for the same

reason. My policy has weight loss surgery as an exclusion, however it

doesn't say anything about excluding weight loss surgery if I have a medical

necessity letter (which I do---3 of them). I asked my bariatric coordinator

and she said for me to gather all of my information up and she will submit

it. She said they have paid for it in the past. Our policy is an

individual policy because my husband and I are self-employed, so therefore

it is a bit different than most group policies. So I guess time will tell.

I hate this waiting game, but I will remain patient. If the insurance

company doesn't pay anything then I will find other financial ways to get

this surgery done. When or if the insurance company denies you, don't they

have to give you a reason?

Vickie

pre-op

5'01 " 214.8 BMI 41

Heavenly Scents Candle Company

Vickie

523 Dickson Circle

Sherman, Texas 75090

website: www.heavenlyscentstx.us

e-mail: rasmith@...

My journey ends before it starts

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

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

--

[Guest guest]

I was in my surgeons office the other day and a lady that was in there said

the same thing. If I remember correctly she was told that Cigna will no

longer pay for it in Texas, (this is probably something they just told her)

but it appears it must be everywhere. My step-daughter works for Cigna and

I will ask her about this subject and see what she says.

If I am not mistaken shouldn't ANY insurance company notify you in writing

BEFORE ANY exclusions are written to your policy?

I am so sorry that you have this news. I am currently awaiting insurance

approval. I have Unicare and I am afraid they will deny me for the same

reason. My policy has weight loss surgery as an exclusion, however it

doesn't say anything about excluding weight loss surgery if I have a medical

necessity letter (which I do---3 of them). I asked my bariatric coordinator

and she said for me to gather all of my information up and she will submit

it. She said they have paid for it in the past. Our policy is an

individual policy because my husband and I are self-employed, so therefore

it is a bit different than most group policies. So I guess time will tell.

I hate this waiting game, but I will remain patient. If the insurance

company doesn't pay anything then I will find other financial ways to get

this surgery done. When or if the insurance company denies you, don't they

have to give you a reason?

Vickie

pre-op

5'01 " 214.8 BMI 41

Heavenly Scents Candle Company

Vickie

523 Dickson Circle

Sherman, Texas 75090

website: www.heavenlyscentstx.us

e-mail: rasmith@...

My journey ends before it starts

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

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

--

[Guest guest]

Vickie...Thank you so much for offering to check with your step daughter for me.

I am still holding out a tiny ray of hope that it may be possible. Thank you for

anything you can find out.

Alice hardestyal hardesty@...

My journey ends before it starts

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

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

--

[Guest guest]

>>When or if the insurance company denies you, don't they

>>have to give you a reason?

I meant for this to say When or if an Insurance company denies anybody,

don't they have to give you a reason for denial?

Heavenly Scents Candle Company

Vickie

523 Dickson Circle

Sherman, Texas 75090

website: www.heavenlyscentstx.us

e-mail: rasmith@...

My journey ends before it starts

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

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

--

--

[Guest guest]

Vickie...Thank you so much for offering to check with your step daughter for me.

I am still holding out a tiny ray of hope that it may be possible. Thank you for

anything you can find out.

Alice hardestyal hardesty@...

My journey ends before it starts

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

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

--

[Guest guest]

>>When or if the insurance company denies you, don't they

>>have to give you a reason?

I meant for this to say When or if an Insurance company denies anybody,

don't they have to give you a reason for denial?

Heavenly Scents Candle Company

Vickie

523 Dickson Circle

Sherman, Texas 75090

website: www.heavenlyscentstx.us

e-mail: rasmith@...

My journey ends before it starts

The surgeons office called today and said that Cigna told them as of

1-1-04 they will no longer approve WLS surgery for any reasons. I am

devastated.

Alice

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

--

--

[Guest guest]

My daughter received a letter from Blue Cross Blue Shield informing

her that as of 1/1/05 they will no longer provide this surgery.

> I was in my surgeons office the other day and a lady that was in

there said

> the same thing. If I remember correctly she was told that Cigna

will no

> longer pay for it in Texas, (this is probably something they just

told her)

> but it appears it must be everywhere. My step-daughter works for

Cigna and

> I will ask her about this subject and see what she says.

> If I am not mistaken shouldn't ANY insurance company notify you in

writing

> BEFORE ANY exclusions are written to your policy?

> I am so sorry that you have this news. I am currently awaiting

insurance

> approval. I have Unicare and I am afraid they will deny me for

the same

> reason. My policy has weight loss surgery as an exclusion,

however it

> doesn't say anything about excluding weight loss surgery if I have

a medical

> necessity letter (which I do---3 of them). I asked my bariatric

coordinator

> and she said for me to gather all of my information up and she

will submit

> it. She said they have paid for it in the past. Our policy is an

> individual policy because my husband and I are self-employed, so

therefore

> it is a bit different than most group policies. So I guess time

will tell.

> I hate this waiting game, but I will remain patient. If the

insurance

> company doesn't pay anything then I will find other financial ways

to get

> this surgery done. When or if the insurance company denies you,

don't they

> have to give you a reason?

>

> Vickie

> pre-op

> 5'01 " 214.8 BMI 41

> Heavenly Scents Candle Company

> Vickie

> 523 Dickson Circle

> Sherman, Texas 75090

>

> website: www.heavenlyscentstx.us

> e-mail: rasmith@t...

>

> My journey ends before it starts

>

>

> The surgeons office called today and said that Cigna told them

as of

> 1-1-04 they will no longer approve WLS surgery for any reasons.

I am

> devastated.

> Alice

>

>

>

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

---------

> --

>

[Guest guest]

My daughter received a letter from Blue Cross Blue Shield informing

her that as of 1/1/05 they will no longer provide this surgery.

> I was in my surgeons office the other day and a lady that was in

there said

> the same thing. If I remember correctly she was told that Cigna

will no

> longer pay for it in Texas, (this is probably something they just

told her)

> but it appears it must be everywhere. My step-daughter works for

Cigna and

> I will ask her about this subject and see what she says.

> If I am not mistaken shouldn't ANY insurance company notify you in

writing

> BEFORE ANY exclusions are written to your policy?

> I am so sorry that you have this news. I am currently awaiting

insurance

> approval. I have Unicare and I am afraid they will deny me for

the same

> reason. My policy has weight loss surgery as an exclusion,

however it

> doesn't say anything about excluding weight loss surgery if I have

a medical

> necessity letter (which I do---3 of them). I asked my bariatric

coordinator

> and she said for me to gather all of my information up and she

will submit

> it. She said they have paid for it in the past. Our policy is an

> individual policy because my husband and I are self-employed, so

therefore

> it is a bit different than most group policies. So I guess time

will tell.

> I hate this waiting game, but I will remain patient. If the

insurance

> company doesn't pay anything then I will find other financial ways

to get

> this surgery done. When or if the insurance company denies you,

don't they

> have to give you a reason?

>

> Vickie

> pre-op

> 5'01 " 214.8 BMI 41

> Heavenly Scents Candle Company

> Vickie

> 523 Dickson Circle

> Sherman, Texas 75090

>

> website: www.heavenlyscentstx.us

> e-mail: rasmith@t...

>

> My journey ends before it starts

>

>

> The surgeons office called today and said that Cigna told them

as of

> 1-1-04 they will no longer approve WLS surgery for any reasons.

I am

> devastated.

> Alice

>

>

>

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

---------

> --

>