I could use some advice! Horizion bcbs nj

njfishorman
on 11/17/14 6:39 am - keansburg, NJ

greetings.....So I was wondering how to get my policy changed to including bariatric surgery!  My job provides us with insurance but it has bariatric surgery as an exclusion. I really want to have surgery but do not know where to start! Id appreciate any help you guys can provide me in getting started on the right track!

hollykim
on 11/18/14 6:47 am - Nashville, TN
Revision on 03/18/15

you can't get it changed. An exclusion means your employer didn't buy the coverage that includes Wls for its employees. Unless they decide to buy the coverage,the insurance will not pay for it. 

 


          

 

airbender
on 11/22/14 5:28 am

in order to change your policy, your policy would have to change,  it is just that what hollykim said.  it was put in there intentionally, if drafted correctly that exclusion is binding and you cant do anything about it.  you did pick the insurance either by one of the choices your employer offers or by picking that employer, it is really that simple.  Get another insurance plan, get another job.  those are essentially your 2 options. 

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