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There are many ways patients cover the cost of their surgery. Some have insurance benefits that cover weight loss surgery, while others pay out of pocket. There may also be other resources available to you such as government or federal programs or agencies that may be able to assist you. Read some our patient's comments about how they obtained their surgery. PLEASE NOTE: These are comments posted by the public. We do not endorse or recommend any of the companies or agencies below.
BlueCross/Blue Shield - Trigon (VA) - 07/23/01
(Peggy P.)
Acordia - Alliance PPO (VA) - 09/03/2004
Customer service reps are pleasant, helpful, and willing to check into precert and call the surgeons office for all that was needed. At first I thought they were stalling, but realized they truly needed weight documentation for several years back. My recommendation is to be persistant and stay on top of insurance company and surgeons office. (Ginny F.)
Aenta - PPO (GA) - 8/02/2007
(Almetha F.)
Aethna (MD) - 02/02/04
(Tasha S.)
Aetna (VA)
Approved within 4 business days (Simonne B.)
Aetna - aetna (VA) - 04/14/01
not bad not bad yes write a very moving personal letter (diana d.)
Aetna - PPO (VA) - 02/07/00
Luckly we had open enrollment this year and I was able to select Atena. I had tried to get approval with Cigna for over a year to no avail. I have nothing bu great things to say about Atena. (Robin R.)
Aetna - Managed Care (GA) - 03/07/00
I was a very easy process...I went to the Doctor on 2/18 and on 3/3 they called and told me that I was approved for the surgery. When I had the Gastro Plasty, I had Alliance PPO and they took longer than usual. It took about 6 weeks or so in order to get approved, but I did get approved and had to pay $1000 out of pocket expenses. But with Aetna, I pay nothing because I had a referral from my Primay Care Physician, and the surgery is medically necessary.. (Daphne P.)
AETNA (VA) - 11/15/00
I was amazed to get a phone call from Dr. Anez' office telling me that I was approved only two days after my first appointment with him. (Cheryl K.)
Aetna - PPO (VA) - 03/11/02
03/11/02 I didn't have to deal with them. My doctors assistant did all the work. I am glad that I switched insurances. Aetna, thank you. You are the best!!!!! After 4 wks, I was approved. I have not dealt with them yet. I read other people experiences with them and it didn't seem very favorable. My doctor does deal with this insurance so I have to wait for my first appt and see what develops from there. 1/12/01 I had my appt today. dr anez staff is going to send in the letter for insurance approval. I hope I do get approve...I really want to have this surgery...Now all i have to do is wait for the good/bad news... I was denied coverage because there is a written exclusion in my insurance policy. I decided to change insurance in Oct during my company's open enrollment. I am changing it from Mamsi/hmo to Aetna/ppo. I have read the notes on other members' encounters with aetna and everything seem pretty good. I guess it is worth the wait. I recieved my new insurance card today. I switched from mamsi/hmo to Aetna/ppo. My new insurance is not effective til Jan 1, 2002. I will have to wait see how things go then. (Sharisse B.)
Aetna - HMO (VA) - 01/01/01
I didn't have to contact Aenta for anything. Dr Anez office (in Woodbridge) did all the work. I did keep contacting the office to find out what was going on with the process. Aenta did come back a few times with some questions about me before they approved me. THANK YOU AENTA. (Karen P.)
Aetna (MD) - 6/99
(Wanda M.)
Aetna (VA) - 08/03/01
No problems whatsoever. However, I work for the federal government and I think I have federal coverage. (Dana S.)
Aetna - HMO (VA) - 08/17/01
(Barbi B.)
Aetna - US Healthcare (VA) - 02/18/02
(Jana C.)
AETNA - HMO (VA) - 3/5/02
Aetna is a pain. They would not talk to me at all (I have the HMO option). They help the paperwork for 3 weeks and kept telling Dr. Halmi's office it was pending. After one call everything was approved!!! (Janet H.)
Aetna (VA) - Dec. 29, 2001
I didn't have to deal with them at all - the office staff took care of it all. (Barbara P.)
Aetna (VA) - 02/23/02
(Brenda P.)
Aetna - HMO (VA) - 02/25/02
(Amanda B.)
Aetna (VA) - 05/05/02
The people I talked with were polite and I discovered that my file was laying dormant on a review nurse's desk who was out on maternity leave. This clarified why I had not heard anything for almost two months. Once they got my file active, they asked me to fax them a diet history. I gave an extensive and thorough one, going back to the 1970s to the present. It was two pages long, including how desperately I wanted this surgery to literally save my life. My letter apparently was worthless and my surgeon's office called to say that I was going to be denied and I had to get my primary physician to send something in fast. I spoke with my primary and also my endocrinologist's office and they both were very happy to send whatever was necessary to the insurance. But, it did seem like the insurance was very fast to deny despite all my co-morbidities, and including a dangerously high BMI. I stayed talking to the surgeon's office and they stayed on top of the insurance company. So, I guess you would say that persistance was necessary. It is apparent that they were more than happy for me to just roll over and play dead. So, my recommendation would be to have your letter lined up from your primary in addition to any other recent diet documentation that your doctor might have to send in. I haven't seen my doctor's letter yet, but the surgeon's office said that basically she wrote that my weight was responsible for my poor health. After I see the letter, I can let you know more specifically. (Brenda O.)
Aetna - PPO (VA) - 08/12/02
(Lisa R.)
Aetna - aetna hmo (VA) - 09/02/02
(Carolyn B.)
Aetna - US Healthcare (VA) - 09/29/02
(Tonya K.)
Aetna - PPO2 (VA) - 09/25/02
(Pam B.)
Aetna - managed choice (VA) - 01/21/03
I didn't really have to deal much with the insurance. I went to my PCP, got a referral for the surgeon and the surgeon's staff did all of the paper work. (susan w.)
Aetna - EAP (WV) - 10/16/02
(Janet F.)
Aetna - PPO (VA) - N/A
I was proactive with my insurance. I asked my primary care and pulminary physicians for letters whic I think contributed to the speed of my approval. (Ernie G.)
Aetna (MD) - 08/26/03
Problems were only "minor" and dealt with communication between doctors and insurance company; once doctor fully detailed Co-morbidities the insurrer quickly agreed to cover procedure To recommend anything; I would say; instead of "less is more" have your care giver COMPLETLY detail all applicable Co-morbidities at length. The companies aren't "devils" they have regulations and proceedures to follow; the burden then is on you and your care giver to very specific and PERSISTANT Refuse to accept NO for and answer "YOUR LACK OF PERSISTANCE IS NOT AN OPTION!!!" (George R.)
Aetna - Elect Choice EPO (VA) - 2/20/03
The experience was painless. I went to see my surgeon Dr. Anez on 1/27/03. His office called on 1/28/03 and told me that my PCP need to send them a letter along with my medical information. The same day, I sent a memo to my PCP (She's great. Dr. Lilly KC at Prince Wm Family Practice.) I attached my weight lose attempt history. I met with my PCP on 2/5/03 and her Managed Care Specialist sent my info to Dr. Anez the same day. Dr. Anez's office sent the information to Aetna on 2/10/03. I called Aetna on 2/18 and was told that my information had been received, was being reviewed and to call back the next day in the morning. I called Aetna on 2/19 and was told that I was approved. I couldn't believe it. With all the talk about the Aetna new requirements I just knew I would have a problem - but, I didn't. I have no complaints about Aetna. (Joyce N.)
Aetna - PPO (VA) - 3/10/03
Had to send additional information regarding previous medically supervised diet following first letter submission. Was approved immediately after that. (Mark H.)
Aetna - PPO (VA) - 02/07/03
(Melanie W.)
Aetna - PPO (VA) - 9/2/2005
Update---new employer, new insurance, new chance. I met with Dr. Anez, and because I don't have 6 months doctor supervised diet history, I will be completing a 3 month session in which I will meet with a physical therapist and a dietician. Upon completion, Dr. Anez' office will submit all of the supporting information to Aetna, and according to his staff, I'm sure to be approved!!! I'm so excited to finally be on the road to surgery and a brand-new life!! Stay tuned, I'm sure that I will have much more to say!! Newsflash---On September 2, I got the much anticiapted phone call from Dr Anez' office. I knew the number as soon as I saw it on the caller ID. 50% cance of good news, 50% chance of bad news. I was hoping for the best, and that's exactly what I got!! Aetna really came through for me, and approved me in a few days! I was expecting some lang, drawn out process in which there would be issue after issue, as it had been with a former insurance provider, however I didn't experience any of that with Aetna. They were superb, no hassles, no jumping through hoops, nothing. Just a simple green light to have surgery and a chance at normalcy. Gaby took care of everything, and no one knows just how much I love and adore her. She assured me on Monday, 8/29 that I shouldn't have any problems getting approved, and she couldn't have been more right. I didnt have to speak to one person at Aetna, all I had to do was wait (and thatw as difficult). For this procedure, if had to rate my insurance, I would give them 5 stars (*****)!!! (Denise P.)
Aetna (VA) - 04/04/03
I have just submitted my paperwork so I have not heard anything back as of yet. I have talked to several people with the same insurance and they say as long as it is medically necessary then I should be ok. They require my BMI to be 40. I am currently at 39.7! If I gain 2 more pounds I will qualify. So we shall see what the outcome is. If anyone can give me pointers or advice, it would be greatly appreciated! 6/11 - I have been approved finally! I cant say that Aetna was difficult to work with but they take their time! After I first submitted my paperwork they said that I needed a medically supervised diet for 6 months. I only had one for 2 months but I did attend a doctor supervised weight lose center for over a year. They are out of business now so I couldnt prove it... therefore, I thought it would be more difficult. My primary care sent a letter as well as myself. 6 weeks later I am approved! (Michelle H.)
Aetna - POS (VA) - 5/13/2003
(Kyndra M.)
Aetna - HMO (VA) - 05/26/03
Aetna was in the middle of changing their requirements at the time my forms for pre-certification were sent. They requested proof of a highly specified diet/exercise program completed within the last two years. I did not have that, yet they approved me. (Susan B.)
Aetna (VA) - 08/05/03
(Bob A.)
Aetna - US Healthcare (VA) - 08/08/03
I was initially denied on the grounds that I had not participated in a "physician-supervised nutrition and exercise program within the past two years for 6 months or longer, documented in the medical record by an attending physician who does not perform bariatric surgery." I most certainly had participated in such a program, and sent them a polite follow-up letter with supporting documentation, and also asked my primary care physician to follow up. Based on that follow-up, Aetna reversed their decision and precertified my claim. Aetna's decision-making process was extremely fast (responses received within days). Overall, Aetna needs to be convinced that (a) you've unsuccessfully tried a physician-supervised diet and exercise program, and (b) your primary care physician supports your decision to have surgery -- neither of which is unreasonable, but both of which require constant active management on your part to make sure that Aetna gets the information it needs. (Jim H.)
Aetna - PPO (VA) - 09/27/03
(Treena B.)
AETNA - QPOS (VA) - 10/17/03
Aetna is either hit or miss. They are really great about somethings but completely unreasonable about others. So far, they have been fantastic about everything. I did a lot of research first, my doctors and I tried several other documented methods before making this decision. I think Aetna responded well to that because it was obvious that I had been working on it for some time. (Nicole M.)
aetna (MD) - 3/17/2004
I kept calling the predetermination department and the precertification department. Then I would confirm with the dr. office, etc. I wasn't stalking them, but I did call every 4-5 days, and it worked:) I had complete packets ready: for my PCP, my surgeon, the insurance and for myself. I binded them and dressed them up to let them know that I'm serious and that I've researched my information. (amy g.)
Aetna - PPO (VA) - 01/03/04
(Milissa T.)
Aetna - HMO (VA) - 6/3/2004
Insurance mostly was pretty good to deal with. We danced around a little bit because they evidently sent a request to the Dr. (turned out it was the PCP not the surgeon) who said they didn't get one. Once we found out what additional information they needed and got that to them, approval was within 24 hours. (Pam D.)
Aetna - QPOS (VA) - 07/06/04
At first I received a denial letter so a couple of days later I decided to call Dr. Anez's office to find out what to do next. I was told that I was approved after all. I called Aetna to verify this info and it was true I was approved 2 days after the denial letter was mailed. So I am happy with Aetna. I didn't have any problems. (Angela H.)
Aetna - POS (VA) - 1/13/2005
I went on Aetna's website and looked for their requirements for surgery. I followed their guidelines in completing the 6 month doctor supervised diet/exercise plan and prepared a packet based on their requirements. My doctor submitted the paperwork and I got my approval in ONE DAY!!! They were very pleasant for me to deal with. I would recommend as long as are well prepared. (Nanette D.)
Aetna - HMO (VA) - 6/2/04
Aetna was very cooperative, I had to keep on top of them though so that they recieved all information. I alos wrote a very long personal letter. (Christiana C.)
AETNA - PPO (VA) - 05/03/04
(Jeanne W.)
Aetna - EPO (VA) - 05/03/04
(Barbara C.)
Aetna - FEHBP (VA) - 7/21/04
I didn't have to deal with my insurance company. Fortunately, both my primary care physician and Dr. Halmi's office worked together and made the whole process a dream. I would recommend that patients follow up and make sure that your primary care documents EVERYTHING in your file regarding your weight history. My doctor did such a great job that I didn't have to wait overlong for the 6-month history from my doctor of her supervising me on some type of weight management program. NOTE: this also includes information discussed during routine appointments and physicals. (Sandy C.)
Aetna - PPO (VA) - 09/07/04
I have nothing but positives to say about my insurance. They have covered virtually everything I have ever asked from them and they did not fail me with this either. They did not stall. I recommend taking time to round up as much documentation you can that shows the need for surgery, before a pre-cert is submitted. It helps to speed up the process. (Nick L.)
Aetna - US Healthcare (VA) - 01/12/04
They turned me down saying I did not meet their criteria for the sugery. With both my PCP and Dr Halmi recommending the surgery, they still turned me down. When my PCP wrote them a VERY STRONG letter stating my health and my life was in danger, they finally approved me. It took six months to get the approval. YOU HAVE TO BE PERSISTANT AND HAVE STRONG SUPPORT FROM YOUR PCP! My PCP told me recently that they have changed their criteria again since January, and he is fighting even harder to get another patient approved, and the patient has been denied three times already! My PCP told me he does not understand why they make it so difficult to save someone's life! (Jeannie M.)
Aetna - PPO (VA) - 10/12/04
(Robin D.)
Aetna - Elect Choice (VA) - 10/16/04
Aetna has been great to me. They have approved everything I have requested on the first try and have been easy to deal with. Originally they told the doctor's office they needed weight history and a copy of my weight watcher member books, and any medical records from the past two years that pretained to weight loss. Since I was able to provide those, there were no further issues. I question what their answer would have been if I hadn't had those things prepared. I know this will be the best thing for me, and I am very thankful to them for approving me to have this life changing surgery. (Sarah K.)
Aetna - PPO (VA) - 10/16/04
(Deanne I.)
Aetna - HMO (VA) - oct. 2001
(Millie S.)
Aetna - HMO (VA) - 11/08/04
They can be difficult to deal with. The member information people DO NOT KNOW WHAT THEY ARE TALKING ABOUT. We called and were told our surgery was approved then recieved a letter saying it was not. This is not the first time that we have been told something by member services that is totally wrong. I now take notes of every conversation with Aetna including date, time and name of person spoken to in addition to content of conversation. They do respond to persistance. They require PT prior to surgery, but they will not cover the PT they require. (Doreen M.)
Aetna - HMO (VA) - 01/10/05
Aetna did a pretty good job with me. It took a little while, they wanted proof of six months of seeing a doctor and dealing with weight issues, which actually turned out to be just copying the doctor's notes of the visits I had already had. They approved me, according to Lockheed Martin's coverage, however my surgery was initially scheduled for the 5th of Jan and as of the 1st of January 2005 it turned out that this procedure would no longer be covered. I rec'd a letter from Aetna warning me of this and luckily my doctor was able to squeeze me in at the end of 2004. When dealing with Aetna, keep at it/them. Get your doctor involved and don't give up. (Susie H.)
Aetna (NY) - 05/02
I didn't have to deal with Aetna at all. Dr. Halmi's staff explained that my initial information form filled out on my first visit would need to be very thoroughly filled out since a copy would go to Aetna. If I erred on that form, it was overkill, not oversight - I wanted to give them all the reasons I could think of why they should help me get the surgery to restore my health and save them money in the long run. Dr. Halmi's staff took it from there. Within 4 days we had approval. Be very thorough in filling out your initial visit form. Never think, "He'll just ask me again in his office." This is your proof in your own writing of how many times you've lost/gained, what you've tried (ie: Slimfast = liquid diet), etc. If it isn't on that initial form, it will be more difficult to prove later after you've turned in the initial form signed by you. This goes for any insurance company. (Truela R.)
Aetna (IL)
I waited two weeks and since I did not have 6 months of a medically supervised diet, they denied me. When open season came I switch to Blue Cross Blue Shield - Federal. They approved me the same day!! (Lesley T.)
Aetna - PPO (VA) - 02/12/05
(Judith S.)
Aetna (VA) - 04/11/05
(Tammy M.)
Aetna (VA) - 05/14/05
(Robert B.)
Aetna - HMO (VA) - 08/24/05
(Linda S.)
Aetna - PPO (VA) - 06/26/05
(Crystal P.)
Aetna - QPOS (VA) - 8/15/2006
(Kimberly R.)
Aetna - EPO (VA) - 09/23/05
(Pamela D.)
Aetna - PPO (VA) - 04/07/06
(Charlotte S.)
Aetna (VA) - 07/24/06
(Stacey F.)
AETNA - POS (VA) - MAY 25, 2007
MY INSURANCE CO. WAS GREAT. I HAD HEARD A LOT OF HORROR STORIES ABOUT THE CO., PRETAINING TO BARIATRIC SURGERY, BUT TO MY SUPRISE, EVERYTHING WENT PERFECT. (JENNIFER W.)
Aetna - Aetna - Open Access (DC) - 9/06
(CYNTHIA J.)
Aetna - PPO (VA)
(Robin N.)
Aetna MC - POS (VA) - 09/07/03
I really did not have problems with my insurance company at all. Once my PCP got my medical records to gether I picked them up and took them to my surgeons office, I stayed until they fax them to the insurance company and had them give me a conformation sheet that the were received by the insurance company. I waited 5 business days, and then started calling until I talk to my case manager. She told me "OK I will call your surgeons office within 24hr" maybe they got tired of me. I got a call from me surgones offices the 3rd day with the good news.YOUR INSURANCE COMPANY HAVE APPROVED THE SURGERY. (Margie H.)
Aetna Open Access (Federal Plan) - Open Access (VA) - 07/07/05
Gabi did all the work after receiving letter & info from my GP. I had an approval letter delivered to my home within a week of faxing info to Aetna. (cindy m.)
Aetna QPOS (MD) - 02/27/06
(MJ C.)
Aetna Select (VA) - 04/26/06
(Lynne M.)
Aetna U.S. Healthcare - HMO (VA) - 05/10/01
(katherine a.)
aetna us healthcare - hmo (WV) - 02/09/01
(Kelly G.)
aetna us healthcare - hmo (PA) - 06/24/01
they had to have my persistance to get moving...I called them every day (Colleen C.)
Aetna US Healthcare - FEHBP (MD) - 09/27/04
I must admit, I was a little frustrated with Aetna at first because I thought I was getting the stall tactic. My surgeon's office faxed my paperwork on 9-10-04 (letter of medical necessity, psych eval, nutritional consultation, 6 month diet/exercise documentation, etc.) and they in turn sent me a letter requesting the same information before a determination could be made. After speaking with the surgeons office, they called Aetna it was discovered my first request hadn't been received. The surgeon's office faxed my paperwork again on 9-24-04 and got a call on 9-27-04 saying I was approved. I have to say they have definitely restored my confidence in them as I've had Aetna for 5 years and never had a problem until this issue came about. Glad to report, I'm back to being satisfied with them. (Ms. Praise (.)
Aetna USHC - QPOS (VA) - 04/26/00
(Evelyn W.)
Aetna USHC - Open Choice PPO (VA) - 12/20/2001
Shannon at Dr. Halmi's office in Woodbridge did all the work. I had no problems working with them and I don't believe Shannon did either. Very pleased with this insurance so far! (David T.)
Aetna UShealthcare HMO - HMO (MD) - 05/26/03
(Daniel G.)
Aetna/US Healthcare - HMO (VA) - 07/1999
(Sandy B.)
ALLIANCE (MD)
80/20 SPLIT (Heather x.)
Alliance (VA)
Was approved in a week. I had my primary doctor as well as my surgen, write letters. (Linda H.)
Alliance (VA) - 02/04/00
Alliance approved me really fast, but I have had problems. They don't pay the bill on time and it messed up my credit rating when I had to get my wife's gall bladder out and I was diagnosed as being a diabetic. I was diagnosed as a diabetic in 1/99 and finally didn't get it paid until 7/99. My wife went in for gall stones in 8/99 and they didn't finish paying it until 11/99. So I wonder how bad my credit rating will take a hit after this surgery? (Michael B.)
Alliance - PPO (VA) - 11/29/02
(Joyce D.)
Alliance - PPO (WV) - 04/24/04
(Sally F.)
Alliance - PPO (MD) - 4/7/04
~I did not have to do anything (Dr. Halmi's office handled it all) ~ I dont know ~Yes ~Keep calling and do everything that they want you too (Stephanie A.)
Alliance - PPO (VA) - 08/15/05
(Jan Marie E.)
Alliance PPO (VA) - 09/08/04
They kept requiring different things, but once I got it all together - they approved it! (Lisa F.)
Alliance PPO by NCAS (VA) - 03/13/03
I believe that the initial denial I received was a standard denial to the first request for coverage. When supplied with the additional information they requested, they approved in 2 weeks. So, all-in-all, I cannot complain about them. I've had this insurance for nearly 5 years and haven't had any real problems. (Gail S.)
anthem (VA) - 01/01/03
(Nessa W.)
Anthem - Key Care (VA) - 06/16/03
I cant believe how FAST this was. I was denied by Fortis due to a strict exclusion policy. My company switched to Anthem and it was submitted on a Friday and i heard that I was approved the following monday. WOW!! Now thats insurance!! (Kymberly H.)
anthem - PPO (VA) - 03/25/03
i had no problem with the insurance company at all,it took like 3 days to get the approval, i was really suprized that it was so fast (SARAH B.)
Anthem - PPO (VA) - 04/26/04
Great Dr Anez office sent in the request and I got the approval letter back in 2 weeks. No stalling at all. (Susan B.)
Anthem (VA) - 02/05/04
I have no problems at all so far. (jennifer r.)
Anthem - ppo (VA) - 02/23/04
(Dayna G.)
Anthem - PPO (VA) - 03/27/04
I had no problems. I left it in the hands of the doctor's staff and they called me a few weeks later with the date the surgery was scheduled. There was no doubt that they would financially benefit by allowing me to have the surgery; so , I'm sure that was why the approval went so smoothly. (Cheryl J.)
anthem - rosie robinson (VA) - 05/25/04
I did not have to deal with them on a personal basis.The doctor's office done it all.As far as stalling they didn't.I think they responed very well I even expected it to be longer of a wait for me because I only had my insurance with then two months.If you do have this company for your insurance carrier and you are suffering from being over weight I say hurry and get approved because who's to say they're going to keep giving approval so easily. (rosie r.)
Anthem - PPO (VA) - 07/02/04
It was an absolute breeze. My surgeon said there would be no problems anticipated due to my medical history and my family history. I am the heaviest but they are the sickest... go figure. I had initially received a letter from the Ins. Co. questioning if I had received any care, tx, diagnosis... etc during the "pre-existing condition time frame". I called to explain that I had not and during that call they told me that the letter was sent out in error and that I had been approved. I have received nothing in writing yet. (Wanda R.)
Anthem (VA) - 05/29/04
(Katreice F.)
Anthem (VA) - 06/27/04
Anthem gave me no trouble and approved all (Gene E.)
Anthem - Anthem Blue Cross (VA) - 11/29/04
Anthem is the best insurance company. I did not have to do any work they completely cover all expenses and responded in less then one week. I love Anthem. (DeAnna L.)
ANTHEM - Donna (VA) - 02/24/05
(donna h.)
Anthem - Scott Berghuis (VA) - 05/06/05
(Tammy B.)
Anthem (VA) - 12/03/05
(Melody O.)
Anthem - PPO (VA) - 01/24/06
Hypertension;Gerd, High cholesterol;Arthritis My Dr's office took care of everything. (sue b.)
Anthem (VA) - 04/14/06
(Ruby G.)
Anthem BC/BS - PPO (VA) - 05/15/03
(Dan M.)
Anthem BC/BS - PPO (VA) - 11/06/05
I was a little concerned at first because when I was thinking about having this surgery I called to see if it was covered. At that time, I was told no. When I finally made the decision to have it done I called back again and lucky for me the person I had spoken to the first time gave me misinformation. So I was happy to hear the procedure was covered. Within 1 week after my consult I was approved and had a surgery date. I had no requirements to meet it was smooth sailing. (Margie D.)
Anthem BCBS - KeyCare (VA) - 12/08/03
(Laura P.)
anthem bcbs (VA) - 04/18/04
(Jen D.)
Anthem BCBS - PPO (WV) - 11/06/04
Dr. Anez's office handled all dealings with the insurance company! (Amy W.)
Anthem bcbs ppo - ppo (VA) - 01/24/03
I never had to contact the insurance company myself. My surgeon's office sent the letter and called me within in a week with my approval. I was thrilled. I also received a letter in the mail from them stating my approval. I am very impressed with this company. (LYNDA B.)
Anthem Blue Cross (VA) - 9/15/04
After my first denial (due to what Anthem said was pre-existing obesity...duh), I took a pro-active stance on my surgery and decided that I would do all the research and comminication with Anthem. I got hooked up on thier website and started a written correspondence with then (so all was in writing), I contacted my insurance rep that takes care of the policy and rallied him behind me. I also got really honest with my PCP who is the most awesome of all Dr's. With all these people on my side and a lot of patience and stubborn digging my heels in I was finally able to get approval on my second attempt for surgery in Nov. I just want to say, that thru all this struggle and many tears it was worth it. (Tara H.)
Anthem Blue Cross (VA) - 08/19/04
August 8, 2004 - Well, I only met with the surgeon yesterday. I paid the fee to get the papperwork started and am just waiting. It hasn't even been a full day. So, so far I have not had ANY interaction with my insurance people or any problems for that matter. LOL August 25, 2004 - Well that was quick. I heard back from the surgeon on the 19th or 20th. My insurance approved the surgery and I start the rest of the process now. I go in on the snd of next month to pick up my orders for testing. Hopefully, outside my co-pay I will not have to come out of pocket for any of it. : )) Keep your fingers crossed for me. September 17, 2004 - I had to call my insureance co to make sure they had the right date for surgery, to see if my doctors assistant was covered and a few other concerned that needed to be covered. The rep was very nice and very patient with me. Answered all my questions and even told me that my doctors offices should really be the one doing all that leg work not me. : ) I told the receptionist at the doctors office that and she refered me to another number. LOL (Lyza B.)
Anthem Blue Cross - PPO (VA) - 12/18/04
Anthem has been wonderful throughout this surgery experience. They have been prompt with payment to physicians, labs, etc. I have had limited personal contact with them because they have taken care of everything. (Heather P.)
Anthem Blue Cross - PPO (VA) - 02/05/05
(Leigh A.)
Anthem Blue Cross / Blue Shield - Key Care (VA) - 03/17/04
2/05/2004 ~ I just got the approval for my insurance to go and have my first consultation visit scheduled for 3/01/2004! Well today is 3/17/2004 ~ I just found out that I was approved for WLS today! I had no trouble and was approved with the first letter for surgery! (Chrissie B.)
ANTHEM BLUE CROSS AND BLUE SHIELD (VA) - 01/02/05
(JAIME A.)
Anthem Blue Cross Blue Shield - PPO (VA) - 05/01/04
(Ray T.)
Anthem Blue Cross Blue Shield - Cova Care (VA) - 10/23/05
The ads at the bottom of my profile are placed by this website and their administrators. I do not endorse these products. (Ms C.)
Anthem Blue Cross, Blue Shield (VA) - 01/09/06
Anthem is awesome! I bugged them alot and signed onto the web site at least once a day to see if they had approved me yet! (Kimberly R.)
Anthem Blue Cross/Blue Shield (VA) - 07/29/04
(Michelle D.)
Anthem BlueCross Blue Shield - PPO (VA) - 07/12/04
(Michelle W.)
Anthem Healthkeepers Plus (VA) - 04/10/2007
It was great! I went into the Dr.'s office for my consult on 04/09/2007. I called when I got home to see if the insurance coordinator had sent in my information yet, she had. I called today (04/10/2007) at lunch time and I was already approved. You really can't ask for much better than that. (Nicole P.)
Anthen BCBS - Cova Care (VA) - 03/15/04
(Meredith F.)
atena - US Health (VA) - 01/13/01
(Terry R.)
AWPU - Alliance (VA) - 07/12/01
Fine, except they required a phyciatric evaluation..no biggy, tho...approval came ssortly thereafter. Generally, they have been cooperative, I think (but then again..the bills haven't started rolling in yet) (Carol K.)
bc/bc capital care (VA) - 01/05/03
(Cheryl M.)
BC/BS - State of Maryland (MD) - 04/09/03
I would highly recommend BC/BS to anyone, at least here in Maryland. A couple of years ago Maryland passed a law that Bariatric Surgery must be covered. Despite this some insurance companies (MAMSI from personal experience) are still denying or putting up so many roadblock that it is virtually impossible to deal with them. BC/BS does not operate this way. They required that I meet the NIH guideline of being over 40 BMI, after that they left it to my doctor and myself to determine what is medically best for me. (Cheryl H.)
BC/BS - PPO (VA) - 09/22/03
No problems here! (Gloria B.)
BC/BS - HMO (VA) - 12/17/04
BC/BS is excellent. They don't require weight loss before surgery. They don't require the patient to fill out any type of questionnaire. All they require is 100 pounds overweight and a surgeon's verification it's medically necessary. (Brooke M.)
BC/BS - Athems (VA)
I had no problem at all with my insurance company. They approved me with the first call that was made by the doctors office. They were able to approve me the day that the call was made. I am so glad I have a good insurance company that must knows what it is like to be overweight. I am really happy with the attention my husband's insurance company has given me in making this decision to have the surgery. (Lisa S.)
BC/BS CareFirst - BlueChoice (VA) - 02/20/03
It couldn't have gone better really. The insurance company received the request the day after my initial consultation. I called three days later just to verify that they had received it. The person who checked was pleasant and helpful. They told me to expect an answer within ten working days. The day before I was planning to follow up, I got a call from the doctor's office to say I was approved. (Jim F.)
BC/BS Carefirst - POS (MD) - 03/25/06
(Florence M.)
BC/BS Federal - PPO (MD) - 03/15/04
I have had nothing but good luck with BC/BS. I have had them since I was 19 years old and cannot say anything bad about them except I wish they paid for nutrition counseling. I don't believe they stall on my end but do know for sure that they stall on the provider's end. (Joyce D.)
BCBS (VA) - 02/01/02
I didn't have to deal with them Shannon did all the work (Judy S.)
BCBS (VA) - 11/13/02
I chnaged my insurance to BCBS PPO in January to allow myself the opportuinty to choose my own doctors and hopefullly get WLS approval easier, we shall see... (Joan A.)
BCBS - Enhanced (VA) - 10/10/03
I had no troubles, all I had to do was get a letter from my doctor showing at least a 2 yr period of being over weight. I got one showing about 4 yrs hehe. (Charlotte S.)
BCBS (Care first) - HMO (VA) - 11/09/03
I never had to deal with the insurance co. I went to their web site and printed out their "rules" on when they would authorize the surgery, figured out that I met the requirements, took that info to my Primary care physician, got my referral to Dr Halmi, and Dr Halmi's staff did the rest. It was a beautiful, painless effort. I got a date for surgery about 3 weeks after the initial consult with my PCP. (Less than 2 weeks after my first visit with Dr Halmi). In this case I was completely impressed with my insurance co. (Kimberly M.)
BCBS Care First - N/A (VA) - 03/22/05
Since my job offers "small group" insurance, I have to suffer. I have been denied twice-and even told they didn't look into the reasons of why I need it, I was told "your insurance doesn't cover anything to do with obesity". I hate Carefirst, they are rude and unhelpful! Stay away from small group insurance plans if you can! (D K.)
BCBS FEP (VA) - 07/21/04
Smooth sailing all the way! (June D.)
BCBS NCA Care First - PPO (MD) - 02/22/00
#1. They were very pleasant, just took a little while to get the insurance company and the Drs. office talking to the right numbers. #2. None #3. Only problem I had was getting documents to right office. #4. Call, call, call (Donna B.)
BCBS of IL. - PPO (VA) - 04/21/03
(Pam S.)
BCBS/Anthem Key Care - PPO (VA) - 02/04/05
My insurance was no problems. Gabby at Dr.Anez's office is well prepared for what your insurance will require. I was approved in 3 working days. (Susan E.)
BCBS\SC - PPO (VA) - 8/15/02
they all make u tired so u dont feel like exercising or dieting. You are totally drained all the time. Since work takes priority in ur life u have to save all of ur energy reserves for work. (Brenda M.)
Blue Cross - capital care (VA) - 02/03/00
I had no problems at all. The doctor I originally picked was going out of the country, so the day I was approved (3-20-00) I called and made another appointment with another specialist. I see him 3-22-00. I am tentively scheduled for 4-11-00. The nurse Marie Taylor that reviewed my case was the most helpful and understanding person I have ever spoken with in the insurance field. She was truly caring. God Bless Her. (Kimberly G.)
Blue Cross - Anthem (VA) - 11/09/01
Anthem was great. I was approved in a matter of days actually. It ws actually a new policy that I had gotten threw work. The did a pre-exsisting condition back check for 6months. After completed and finding nothing I was given the okay. Very easy to deal with. (Charlotte G.)
Blue Cross - Blue Choice (VA) - 10/27/03
The doctor's office took care of everything. I was approved and scheduled for surgery in about 3 days. (Janine G.)
Blue Cross - PPO (VA) - 07/24/02
I realy didn't have to deal with them. The doctor's office sent in the required paperwork and two weeks later. The insurance company sent me an approval letter. (Barbara W.)
Blue Cross - PPO (VA) - 07/27/02
My insurance approved me one day after receiving the letter. They were great to work with. (Cindy H.)
Blue Cross - Federal Emp Program (MD) - 07/31/02
(Angie W.)
blue cross - carefirst (VA) - 08/19/02
(Michelle S.)
Blue Cross - PPO (VA) - 11/05/02
Surgeon's office did all the work. Approval came quick. (Tracy F.)
Blue Cross - EPPO (MD) - 01/19/03
(Melanie G.)
BLUE CROSS - ANTHEM (VA) - 07/02/03
Dr Halmi s office did every thing. I did nothing but worry and had nothing to worry about. (CHARLOTTE L.)
Blue Cross - PPO (VA) - 07/24/03
(Tami R.)
Blue Cross - FEP (VA) - 10/21/03
We had no problem at all getting approved as I said it was approved in one week (Bruce R.)
Blue cross - PPO (MD) - 10/28/03
(D M.)
Blue Cross - FEP (VA) - 11/05/04
I am a federal employee and have Blue Cross / Blue Shield - FEP. I had my original consultation on Friday, 11/5/04 and had insurance approval and a surgery date on Tuesday, 11/9/04. Very quick, Dr. Anez's office handled everything. (Ken A.)
blue cross (WV) - 10/07/05
(robert b.)
Blue Cross (VA) - 11/07/05
(Cheryl R.)
Blue Cross - Fed employee health plan (VA) - 09/20/05
(Gary R.)
Blue Cross and Blue Shield - PPO (VA) - 01/13/00
Blue Cross is an excellent insurance company. I would recommend them to anyone. I was approved immediatley by them (Anna Marie I.)
Blue Cross and Blue Shield - Illinois (VA) - 12/26/01
Dealing with my insurance company was fantastic..they put all my worries to rest, I didn\'t even have to fight them on any issues. (Anna Marie I.)
Blue Cross Anthem (VA) - 04/07/04
(Barbara F.)
blue cross blue sheild - ppo (VA) - 06/02/03
The doctor sent the letter..within 3 weeks I received an approval letter..they were fabulous (carlena b.)
Blue Cross Blue Sheild - PPO (MD) - 04/05/04
I had no personal interaction with the Insurance Company until after the aproval had been granted. My General Practitioner had seen me for a year and had sent me on referrals for several conditions that may have helped. Dr. Anez's office applied for approval and it was returned approved the first time out. I contacted them afterwards just to confirm the costs and availability of resources. They were wonderful. (Madame R.)
Blue Cross Blue Sheild - HMO (VA) - 02/01/05
So far i Hate Carefirst should be Carelast, Moneyfirst anyways i haven't yet began to battle so i will keep you posted. I was denied because i "haven't had my policy long enough" UPDATE: 4/8/05 I GOT APPROVED. I was denied orginaly on a PPO plan, HAHAHA i talked to my insurance lady (LOVE YOU).We switched to an HMO plan because there was not waiting and all the crap they were pulling with the PPO , I switched 4/1 to an HMO, went to my primary care physican on 4/4 and got my refferal and was approved for surgery on 4/8 HAPPY BIRTHDAY TO ME!!! (Elaine L.)
Blue Cross Blue Shield - Federal Employee's Program (SC) - 04/17/00
Basically had no problems, except that my paperwork was lost somewhere in the system. Once Dr. Anez' staff resubmitted everything, I had approval within 24 hours. (Janice M.)
Blue Cross Blue Shield - Capital Care (VA) - 07/02/00
I got an exception from the company my husband works for. They put their neck out for me and I've proven to them that it was a GREAT thing they did. I will cost them much less in the future dollar wise than had they chosen not to cover the surgery. DONT GIVE UP!! Prove your case. My doctors words that made the difference were *she will probably have a cardiac event within the next two years if she does not have the surgery and lose this weight*. (ImDebbie T.)
Blue Cross Blue Shield - PPO (VA) - 1/15/02
They have been great, I was approved, then recieved a letter from them stating that also. They do not stall at all I was told it could take 2 to 3 weeks to hear and I herd in one week. I think they are consistant. Go for it now, it is covered and who knows how long it will stay that way, before it becomes to expensive for them to continue approving so many. (Jaclyn C.)
Blue Cross Blue Shield - Carefirst (VA) - 4/2002
I think it took a long time to get approval from Blue Cross/Blue Shield I don't find talking to them on the phone very helpful. I had to write a letter of appeal at first, because they did not want to pay for my pre op office visits. They did after I wrote the letter. (Janet T.)
blue cross blue shield - ppo (VA) - 05/25/03
(JOYCE B.)
Blue Cross Blue Shield - FED (VA) - 05/12/03
No Problems with Blue Cross Blue Shield. Doctor's office did all the work and I was approved in 2 weeks. (Marsha S.)
Blue Cross Blue Shield - FEP (MD) - 01/28/04
I did not have to deal with Blue Cross Blue Shield (BCBS) for the approval process. Dr. Anez's staff (which by the way are excellent individuals) took care of everything. (Felicia .)
Blue Cross Blue Shield - Kimberly Taylor (VA) - 07/15/04
They were great, They approved me with no hassle. This has been very smooth. I am very happy that it wasn't stressful. (Kimberly T.)
Blue Cross Blue Shield (VA) - 10/08/04
(Richard P.)
Blue Cross Blue Shield (WV) - 12/16/04
(J. B.)
Blue Cross Blue Shield (VA)
(Linda P.)
Blue Cross Blue Shield - PPO (VA)
(Anginette M.)
Blue Cross Blue Shield - Federal (VA) - 05/08/2006
(Kathleen C.)
Blue Cross Blue Shield (Federal) - PPO (VA) - 10/06/05
(Jacqueline T.)
Blue Cross Blue Shield Anthem - PPO (VA) - 09/29/03
Anthem Blue Cross Blue Shield surprised me regarding the quick approval. (Cindy C.)
Blue Cross Blue Shield Care First - PPO (VA) - 01/02/05
(Kristen R.)
Blue Cross Blue Shield Federal Plan (VA)
(Ginger B.)
Blue Cross Blue Shield of Alabama (VA) - 3/10/03
Dr. Halmi's office is submitting the paperwork to BCBS PPO for me, so right now I don't have to do anything but wait to see if I am approved for this surgery. However, from reading the posts of others in the AMOS family who have the same insurance, there should be no problem with me getting approval for WLS. I received a letter in the mail on March 6, 2003 from BCBS stating that I was approved for WLS! That's just three weeks after Dr. Halmi's office sent the paperwork in to the insurance company. I never dealt directly with them at all. (Cherri W.)
Blue Cross Blue Shield of CA - ppo (VA) - 04/25/05
(Michael L.)
Blue Cross Blue Shield of Illinois - PPO (VA) - 08/04/04
Haven't had to deal with the insurance company yet. Also, my company uses National Health Services in addition to BC/BS to make the obesity surgery decision. (Debbie W.)
Blue Cross Blue Shield Trigon (VA) - 12/11/02
no problems getting approved at all!!!! (Lisa B.)
Blue Cross Blue Shield/Federal (MD) - 11/04/05
I was approved in less than 1 week. I have absolutely nothing to complain about with this insurance company. NOW, i'll have to see how much i have to pay, but at least they will pay some. (Theresa M.)
Blue Cross Care First - ppo (VA) - 09/05/02
my insurance company is great. NO COMPLAINTS. (Connie F.)
Blue Cross Care First - PPO (VA) - 07/30/02
Well the Dr's office handled all the paperwork but of course I wanted the approval within 24 hours of my first appointment so I was a pest to the insurance company but they answered my questions every time I called. (Stefanie P.)
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