 BC/BS PPO of IL: Will they approve me? | |
My insurance policy is a PPO with BC/BS of Illinois. In order to cover the procedure, I must have:
a) A diagnosis of morbid obesity (BMI of 40 or more)
-and-
b) At least 2 co-morbidity conditions: Hypertension, Dyslipidemia (high cholesteral), Diabetes, Heart disease, Sleap apnea
-and-
c) at least a 5 year history of morbid obesity supported by medical records
I'm not sure that I meet all of those qualifications. Certainly, my BMI is over 40, but it hasn't been that way for 5 years. And I'm not sure that I have 2 co-morbidity conditions.
I'd hate to go all the way through the 6-month medically supervised diet, and then find that BC/BS will deny me. Is there any way I can find out in advance whether I'm likely to be denied, and thereby save myself the time and trouble and just focus on the self-pay option? Anyone out there have experience with BC/BS of Illinois denying coverage at the end of the 6-month diet program? | 
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