Told I Must Have Surgery Then Submit, Has BCBS Ever Told Anyone Else This?

I called the insurance company a few days ago, and I asked if they covered the lap RNY procedure and the lady was very vague and then said "its not covered", then she proceeds to tell me I would have to have the surgery and THEN submit it to them, and if they denied it I can resend it...I am lost here...and can't afford to gamble with them denying me in the end...can anyone enlighten me here as I am insurance illiterate! ? Thanks soo much guys!

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