Does this really mean insurance won't pay for WLS?
I found the below under the "not covered" section of my employers plan. I was wondering if anyone has had experience with this? It seems pretty obvious to me that they will not cover it, period. However, insurance companies are so sneaky I just don't trust it. Could this just be a deterrent? Has anyone gotten approved with a clause such as this?
Medical Expenses Not Covered
The Plan will not provide benefits for any of the items listed in this section, regardless of Medical
Necessity or recommendation of a Health Care Provider. The following illustrative list is intended to
give you a description of expenses for services and supplies not covered by the Plan, including:
• treatment, procedures, services and / or supplies incurred related to weight reduction, whether or
not the treatment, procedures, services and / or supplies are considered Medically Necessary, including, but not limited to: – nutritional or dietary counseling, – weight loss medications, – weight loss programs, – health club fees, and – procedures or surgeries (including gastric bypass).