Question:
What do they mean when they say they have a Written Exlcusion Policy?

   — Ann W. (posted on September 9, 2002)

September 9, 2002
A written exclusion is a written agreement in a particular policy to exclude a particular treatment. My insurance had a written exclusion for gastric bypass surgery even for medical necessity. It was so airtight that the wording included "exclusion of gastric bypass for the treatment of obesity and morbid obesity." Obesity and Morbid Obesity are classified differently and have different diagnoses codes. Some insurance policies have exclusions for gastric bypass UNLESS deemed medically necessary. In that instance, you would have to prove to the underwriters of the insurance company through medical records, letters from doctors etc that the surgery is medically necessary for you. I hope this helps.
   — Jerri A.