Insurance

As I said in my Beginning  post my new insurance covers WLS...sort-of.

I have CareSource - Ohio. They only cover certain WLS procedures (Roux-en-Y and LapBand) and only on a case-by-case basis. When I first contacted them to see if they covered it the customer service rep said NO. Then someone (on the Obesity Help website) suggested that  I call again with the procedure code for Roux-en-Y (CPT code: 43645 - Roux-en-Y Gastric Bypass). When I did that they told me it's not usually a covered procedure unless it is deemed "medically necessary" by my primary care physician, and that I meet certain "requirements" for approval.

What are those requirements?

-9 month doctor supervised weight loss program (completed within the past 5 yrs). The doctor must document weight, dietary plan, exercise plan and progress on a monthly basis.
-Documentation of at least one obesity related co-morbid condition (diabetes, high blood pressure, high cholesterol, heart disease, sleep apnea, etc)
-BMI of 40+

•My BMI is over 50 - CHECK
•I have Diabetes, high blood pressure, sleep apnea - CHECK
•9 month doctor supervised weight loss program:

Right now I'm in month SIX...so only THREE more months to go! I know I shouldn't be too excited right now, because I'm not approved yet. However, I'm going through a program at the Bariatric and Metobolic Institute at the Cleveland Clinic and they are almost sure I will be approved.

The first six months of my "diet" (beginning Sept 2009) I started with my PCP and told her about my decision to have gastric bypass surgery. I told her all the information that needed to be documented and that she would need to write a recommendation letter. She agreed to work with me and also counseled me about the surgery (the pros and cons).

During the same time I had also signed up for the bariatric program thru the Cleveland Clinic. In November I went to a seminar and got registered with them and made all of my pre-op appointments. They handle all the insurance stuff and won't make appointments with-out pre-authorization from your insurance company. I double checked on this. Every appointment the clinic made I called their "insurance specialist" to confirm my insurance had authorized it...and every time (so far) it has. I haven't received a single bill. I will be continuing the last 3 months of my diet with the Nutritionist in their Bariatric Program.

Here's to hoping for approval!