Where do I go from here? (Vent/Whine/Complain for starters)

Constance · 08-16-2006, 12:35 AM

(Warning: venting/whining/complaining to follow)

Uuugghhh. So even after my PCP submitted more info to overturn Cigna's denial, Cigna decided to uphold the denial.

I read about the folks at ObesityLaw.com and filled out their online questionaire. They responded promptly with what I needed to pursue their services.

But frankly, just the thought of trying to get the ridiculously incompetent medical staff to send me my charts/files/letters to me to pass on to the lawyers makes me want scream. I'm so mad at how little I am able to be involved. I can't even have my own medical records from Cigna. I can't get anyone to talk to me and discuss the denial. They just read me the letter they sent me, which is so incredibly vague. I'm so disgusted with the whole process. Apparently no one, not my PCP's office, the sugeon's office OR Cigna have any clue how to communicate or transmit info.

Then I think, well, what if I appeal and it's 400-800$ for legal. Then let's say Cigna only covers 80% of the surgery. (Which btw, is there any way to find out a)exactly how much they cover and b)exactly what the surgeon charges? I can't get a straight answer from anyone)

So I'm then up 4 or 5K$. Geez, I can just go to Mexico for 8500 and do it in the next few weeks.

I'm so over it. I'm so sick of being fat. I feel like such an idiot for gaining weight so I could be in the 41 BMI. I thought surely that would get me covered. I feel like another 3 months of waiting and I'm gonna have stretch marks on hands. This quick weight gain has been horrible on me.

Where do I go from here? Is he legal help worth it? What if I'm too damn healthy? (My only slight co-morbids were depression and joint pain -- not that I'm complaining)

Should I just take the legal money and book a flight to Mexico?

I'm fed up!:help:
Advice??

Smittyjulesberg · 08-16-2006, 03:56 PM

Wow.. I can totally sympathize with your situation. I was originally told by some incompetent CSR that my insurance covered the surgery at 100%. Unfortunately, that wasn't the case. I am going to fight the denial, but in the mean time I'm getting my surgery. I'm almost 35 years old, and I don't want to live like this for the rest of my life. I'm doing some creative financing and my surgery date is Aug 31! I think you should just go for it. You can always fight it later..When your thinner and have more energy!