I need help I'm upset

Need advice my insurer tells me that the rules changed once again and now states that just having mild sleep apnea and a BMI of 47 no longer qualifies I have united care healthcare I need some serious help what can I do now Ive completed the program and now at stalemate... they have changed the rules like 3 times since Ive started in April of 2016

BMI of 47 doesn't qualify? That's crazy talk. My BMI was 44 when I had my DS thought UHC, but that was 12 years ago.I wouldn't think they could change the rules like that until a new contract is signed by your employer. Definitely, call HR first thing on Monday and get them involved, because that just doesn't sound right. I would even call UHC another time or two to see if a different rep gives you the same answer.

Wow, that's messed up. R U sure it's not your employer that's switching what plans they'll pay for? I know on my job our ins was switched mid contract.

Do you have a copy of your ins policy? Is there anything in there that allows them to change their terms/criteria while the policy is in effect? If not, you might have legal recourse.

I would think just your bmi alone should qualify you for surgery.

Ask them to email you the portion of the policy that states their criteria.

I have UHC and the rep did that for me pre-surgery.

Some of it can be the employer too.

I'm not a lawyer, but it would seem to me that when you start down a path of treatment that if they pull that rug out from under you that you would have some type of recourse. Any legal beagles out there that can weigh in on that concept?

Something seems wrong about that. Most plans are BMI of 40 or more. I know there are a million UHC plans out there, but I looked this up and here is what I found:

https://www.obesitycoverage.com/united-healthcares-criteria- for-weight-loss-surgery-coverage/

You should definitely look into that further.

Look for your insurance contract says. I don't think they can change what your plan covers after you sign up. If your plan covered VSG for you how can they change the rules when you are literally locked into them for a year. I think you should look into finding an insurance advocate or lawyer to get the medical coverage that has been paid for.