Question:
denied huh

I just got a letter in the mail from my insurance and they denied me:( i can appeal correct cigna it is sigh can someone please help me wat should i do need advice!    — bage09 (posted on November 5, 2009)

November 5, 2009
What was the reason for denial? A lot depends on their reason.
   — Caribou ME

November 5, 2009
well the letter says i can appeal in 30 days but just says that doesnt cover Gastric Bypass
   — bage09

November 5, 2009
i mean i was told i was approved by the clinic just confused now that it would cover now they say no
   — bage09

November 5, 2009
Ask them where in your medical policy does it say that they do not cover gastric bypass. They may cover the lapband. I am doing well with my lapband. Also if this is coverage through your employer, they have the option to disallow procedures like cosmetice procedures and any procedure that has to do with weight loss. Do not give up. There is a saying in the insurance business, " deny the claim and lets see if they come back" . Good Luck. Also check back every six months to see if weight loss surgery was recently added.
   — karrenn

November 5, 2009
thank you !! karen
   — bage09

November 5, 2009
Go to obesityaction.org. They will give you advice on how to appeal a denial by your insurance. They even have sample letters to address denials. Just click on "Advocacy Tools", then "OAC Insurance Guide", then "Sample Letters" or "Appealing a Denial". If you click on "Sample Letters", choose "Sample Appeal Letter from Surgeon/Patient to Insurance Provider." I hope that helps. God Bless.
   — KimM

November 5, 2009
Fight, fight, fight. They count on you not trying and giving up. Appeal, appeal and appeal. I did and it worked
   — Linda R.

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