What is Needed for BCBS of PA PPO to Cover for my Breast Reduction?
By West Palm Beach7192 on 27 Jan 2012
I'm 29 yrs old 4'7" tall and 110 pounds. Im a 34 DD and I will like a reduction but I don't want to be left with no breast since I understand there is a 500 grams that the insurance usually required to be reduced. What do I need to do in this case I don't have documentation of back pains etc, I do suffer from all those symptoms but I never been to the Dr for it. Everything started getting worse after I had my son two yrs ago then I became a 34 DD I used to be 32 D it may not sound so bad but because of my tiny frame I had always had back problems I cant even sit up straight anymore. What do I do now? Will my BCBS of PA cover my surgery even if I live in FL?
As to the second part, mine is through BCBS of Ga and I live in California now. I actually couldn't find anyone who covered me in the end :/ In theory I found a bunch of docs who said they would, but once they sat down and looked at the fine print of my plan none of them wanted to work with me. I ended up paying out of pocket. I had this weird experience where I would call doctors and and say "do you take blue cross blue shield of Georgia?" and they would say yes... Then after the consult the billers would tell me "this plan is not good and we can't use it." It literally happened to me three times! Then a fourth time I went to an IN NETWORK doctor, and she simply never submitted the paperwork to the insurance after the consult, then never returned any of my calls. It was very weird. Of course, this may have only to do with BCBS of Georgia!
The way one biller who was kind enough to explain to my why they wouldn't take my insurance explained it, the insurance companies pay what is "customary" to the doctor and they do that by zip code... So if I bought my plan in PoDunk Ga (I did :p) where the average breast reduction is only 5,000, and now I am living in LA where it is 9,000 no doc in LA is going to take the 5,000.