Re: Question for those awaiting Cigna approval

[Guest guest]

> I am also awaiting CIGNA approval. My letter was sent in by Dr.

R's

> have decided I will be self-pay if I have to!

>

I am a Cigna POS. They have different plans depending on what your

employer subscribed to. Their generic plan excludes WLS. That is

what I have. It was listed under exclusions it was " KK " . I don't

have my policy with me so I am not sure what page it is on. They

have denied me 3 times and now I have a complaint into the NC

Insurance commision. I don't expect it to do much good. I will

change plans in November. I am also working with my Benefits

department to change the verbiage of the contract, so that none of

their employees are denied. My company has been pretty good so far.

The thing that scares me away from being a self-pay is that Cigna

also has a clause that states they will not pay for any bills

incurred should complication arise from a procedure they denied.

Because there is a small chance of leaks and that could cause

additional expense, I am afraid to be a self-pay. Should anything

serious happen to me I am worried that astronomical non-covered

medical expenses could devastate my family.

Still fighting the fight... MGB hopeful since 2/19 BMI 53