Question:
Has anyone given up on insurance before a letter has been sent?

This sounds nuts, but I checked with my insurance and found out there is an exclusion in our new policy for morbid obesity, as in anything to do with it is not covered. I asked my HR person and he was very helpful about the whole thing but the chances of it being written in is slim. Insurance said if they do get the policy changed it's doubtful the surgery would be approved unless I was "going to die" unless I have it (this is GE Financial BTW). I tried arguing the point I will eventually die if I don't have the surgery, but to no avail. Has anyone just decided that $20,000 is worth paying out of pocket rather than fighting insurance? I believe I can afford it, I just wish I didn't have to do it. I really don't want to wait a year going through appeals and find out that our insurance will change yet again. I also just want the surgery and begin living my new life. Any thoughts and advice is much appreciated!    — arebella (posted on June 13, 2001)

June 13, 2001
I have. My insurance also has a good exclusion and I'm not sure I'm up to fighting it. I've decided to self-pay. That way if I get good info while in the process I can change my mind. This way in my head I KNOW I WILL have wls.
   — [Anonymous]

June 13, 2001
Amy...I sent letters knowing it wouldn't go through...I wrote the letters and sent them while I waited for my Surgery date....Have double coverage and ended up selfpay..My thought on it was that I wouldn't try to get excited about the ins paying for it but yet knew that at least I tried everything I could to get it covered.(LAP RNY 1/16/01 75lbs down)
   — Debora H.