Denials and Delays

Hi all,

I know I promised a post on cross platform IDEs (Integrated Development Environments) but unfortunately life has intervened. A couple of weeks ago I got word that my insurance company was denying my pre-approval for the surgery on the basis that the surgery was not a covered benefit.

The irony of course is that there are still documents available on the website or my insurer referring to bariatric procedures as a covered benefit. This, along with the fact that the weight-loss center was told that the procedure was covered are the basis of my appeal. I mailed it about a week ago. This is my next immediate move.

As for the move after that its unclear. I need to get insurance that will cover the procedure, thus I may end up attempting to cancel my current coverage and go to an insurance policy which is on the newly set up exchange in Arizona. However, I think this will be costly as I have several pre-existing conditions. Another option is to sue my insurance company, which I really do not want to do since it will be costly. The other options available are to appeal to the insurance regulator in Arizona or go on Access.

All of this has delayed my plans, including The Plan. My goal was to have the surgery in mid to late October so that I would be recovering over the course of the end of fall beginning of winter. Then I would hit the ground running, putting the plan into motion. Now it appears that I am not going to have the surgery until mid to late November at the earliest. This delays my plan, and to be honest, I it has put me in a sort of purgatory, as my body continues to betray me.