*****VERY IMPORTANT RE: INSURANCE PROBLEMS*****

[Guest guest]

Hello to all...i have been lurking on the board but don't post often

due to the fact that I don't have a computer at home and when I am at

work the only time I have is to read posts (fast in some cases). I am

the one who works for one of the insurance companies that tends to

approve alot of people but denies this for their own (although I am

in the process of challenging them)....I have always wondered to

myself did I choose the WRONG company to work for...I have also read

on the boards from those who have been denied this lifesaving surgery

because of their insurance policy....I have done a little research

(and this research is still ongoing), and have taken the wonder of

which employer has United HealthCare (which tends to be the most

favorable insurance that approves WLS, and specifically DS) and if

they approve WLS or not. I have a very small list at this time, in

which I have personally verified if these companies have an exclusion

to WLS in their policy or not. Now understand something...from what I

was equipped with, I could only find out if they specifically have an

exclusion written into the policy for OBESITY SURGERY. Most state

that they will cover if you have been diagnosed as MORBIDLY OBESE

(and of course you will have your doctor submit records to show the

necessity).

The best company that I know for right now approves DS and covers the

highest percentage (which means you pay very little out of pocket) is:

AMERICAN EXPRESS (they have employment all over the place). Their

website is www.americanexpress.com (go to the careers section).

The other companies that approve WLS (there is a good chance they may

pay for the DS, but cannot be verified at this time because I wasn't

equipped with the CPT codes) are:

1) AOL TIME WARNER (www.aoltimewarner.com)

2) SBC (formerally known as Southwestern Bell)(www.sbc.com)

3) CITIGROUP (www.citigroup.com)

4) Reliant Energy (I believe most of their employment comes out of

the Pennsylvania and Texas states),(www.reliant.com/corporate/careers)

5) ClearChannel (they own alot of the radio stations and events

amongst other things), (www.clearchannel.com).

Please understand that my position here is to inform you all, but if

you choose to try to seek employment elsewhere to enhance your

possibilities of getting approved through the company's insurance

benefits, I do hope that you can also bring your work ethic skills to

the table. These are very good companies to work for and value their

employees as well. I will update you with further research down the

line.

I have a consultation in Vegas that I am geared up for (paying out of

pocket) so I will see you all laters. God Bless!

-a aka DivaInBlack