Insurance denial

My husbands insurance has declared ALL weight loss surgery as cosmetic and has denied everything.  I have support from my family doc. and 2 heart specialist, but they said it doesn't matter.  What steps can I take next to get them to cover it.    Connie-OHIO

You might not have anyway to get by this clause in the insurance.  Sometimes if the companies write their own insurance policy they have clauses in there like that, Call the insurance company and see if there is any way around this, if you have a plan administrator at the company that your husband works for then contact them, everything is private they can't discuss it with anyone..  You can apeal the decision with the insurance but if they have a rider on it that says no weight lose surgery is covered then you will have to find another way to pay for it.  Don't give up until you have talked to everyone and apealed all denials... Ginger

Hi Connie,
Go to www.obesitylaw.com.  You can speak with an insurance attorney directly and tell them your story.  Walter is one of the attorneys and he has his own personal history with WLS to tell and how he won against the insurance companies.  They will tell you straight up if you have a case or not.  They only charge a flat rate fee.  I am currently working with Kelley on my appeal and I am very confident that I will have an approval by the February or March of 2009.

Good luck to you and don't give up!  That's what the insurance companies want us to do!
Nancy