First and foremost who knew the most appropriate quote for this post would come from a Bush? As many people might know your insurance company wants you to jump through hoops, and put on a dog and pony show before they will approve you to go under the knife. I don’t blame them this is not something that should be entered into lightly. It is non-reversible and for the rest of your life. Which is more than we can say for some “life long” commitments society makes.
The surgeons office gives you a list of stuff with the things your insurance wants you to have circled in order to be considered for the surgery. Some of the things listed were lose x amount of pounds supervised, documentation of at least 5 years of obesity, documentations of 2 years of obesity, clearance from your cardiologist, documented weight loss attempts, your first born child, etc.
I have Cigna and so far they have only asked for the following before we submit my paperwork for approval:
- 3 months of supervised weight loss
- A letter of clearance from your primary care physician
If I hadn’t read countless stories about how Cigna likes to extend the song in dance I would be counting on having surgery in July. However perhaps it varies from policy to policy? The nice thing about the Colorado Bariatric Surgery Institute is that because they are located in a hospital St Lukes offers the nutritional classes (supervised weight loss), and counseling for free since you will be having the surgery there. I have had once class so far and the following two will take place on 3/17 and 4/14 and they want you to lose 2 pounds between each class (I am averaging that every couple of weeks so that shouldn’t be a problem).
Once I have finished the three classes we can submit my packet to Cigna for approval. Unless they say they want another 3 months of supervised weight loss we are looking at a potential surgery date of July 18th. If I am approved it means July 4th would be the start of my two week liquid diet cleanse. If they end up coming back and wanting another three months it would mean we could resubmit the packet in July but I wouldn’t be able to schedule it until October or early December or so because work is insanely busy during the summer. If that ends up happening I might just wait until January when I can opt for the better insurance policy that would cover more of my hospital stay.
I wish we could submit it before hand so you know exactly what you’re up against.I would be interested to see how many people were initially told that by Cigna only to be told they want 6 months of weight loss when their packet is sent in. I hate waiting games.