Question:
did anyone with bcbs fl ppo get approval w/only 8 mth. supervised diet instead of 12?

I only had thier policy since Aug.2002 so only been on Dr. supervised diet since then only 8 months worth the ins. is asking for 12 i have about 5 co-morbidities and the doctor is writting me a medically neccesary letter ..Did anyone get approved without the full 12 months? any info. would be appriciated Thank You    — marie M. (posted on April 14, 2003)

April 14, 2003
BC/BS is just an insurance carrier. Many companies have BC/BS as their insurance BUT each company sets different restrictions. Company "A" w/BCBS may cover wls w/o a supervised diet, Company "B" w/ BCBS may NOT cover wls, w/or w/o supervised diet. Really it is up to your individual policy with your particular company. Then again, there may also be a difference betweent he HMO vs PPO plans withing the same employer and insurance carrier. How vague is that? :( If denied there is also the apppeals process and working up the chain of command to see if the restriction has exceptions.
   — Carol H.