Question:
I have just recently been denied coverage for wls from my insurance through my work

Been denied coverage from insurance through my work(United Health Care),I am thinking of taking insurance out through my husbands work with Med Cost preferred,but because its going to cost us a extra 200.00 a month,I want to make sure that it would even be the slighest possiblity that it will cover the surgrey,can anyone tell me if they understand this...Under Medical Benfits section this is what it states"Dietary Counseling"."Services may be considered eligible for benifts under the plan when medically necessary to treat diabetes,heart disease and/or morbid obesity and co-existing cardic,hypertensive and/or respiratory disease.Services must be ordered and supervised by a physician, and rendered by a licensed dietitian or nutritionist.Dietary counseling that is related to weight loss in the absence of the above conditions is not considered eligible for benifits under the plan."And under plan exclusions it says"Obesity.Care and treatment of obesity,morbidly obesity or weight loss."I am at a loss/What does all this mean?Any help would be greatly appreciated,it says nothing of surgrey.    — jamie H. (posted on December 30, 2002)

December 30, 2002
Jamie, you need to appeal!! From what it says, it sounds contradictory, doesn't it? Has your Dr. written a letter to them stating the medical necessity? Get all the facts on why they denied you and see what they need. Exhaust all efforts before you start forking over money to another insurance company that may do the same thing.
   — Kris T.

December 30, 2002
JAMIE I ALSO HAVE UNITED HEALTH CARE AND MY POLICY STATES THAT NO WEIGHT LOSS SUPPLEMENTS ETC. WOULD BE COVERED UNLESS YOU HAVE AN UNDERLYING MEDICAL CONDITION. I WAS APPROVED WITHIN TWO WEEKS. I WOULD APPEAL BEFORE SWITCHING INSURANCE COMPANIES. CATHY STAFFORD
   — Cathy S.