Question:
Can you get around insurance that has exclusions on WLS?

My insurance specifically excludes any type of surgical treatment for the morbidly obese. Has anyone out there had a similar scenario? Were you able to get around it? I'd appreciate any feedback! Thanks!    — [Anonymous] (posted on May 8, 2001)

May 8, 2001
Does the policy exclude treatment & surgery for obesity or MORBID obesity? If it excludes treatment for obesity, it should be covered as MORBID obesity is life threatening and if it's not covered, it's discrimination. Read the policy again to make sure. My policy had an exclusion for treatment of obesity but covered my surgery because we proved it to be medically necessary which it is if you meet the NIH criteria. Please erad my profile. Good luck!
   — Lisa B.

May 9, 2001
Thanks for your replies - yes, the policy specifically says "morbidly obese", not just obese. Also, it isn't insurance through work, it is my parent's insurance that I'm on since I am a college student.
   — [Anonymous]