From what I understand an exclusion is an exclusion and will not be covered because it is benefit that your employer has not paid for. Maybe research the internet because unfortunately it doesnt seem like anybody who knows for sure is going to respond.

I am just starting out on my WLS journey. I have just about narrowed my surgeon choices down to either Dr Ungson or Dr Aceves. Now I need all the info I can get on companies that finance WLS in Mexico. I am new to OH forums and need all the help and information I can get!! Thanks !! 

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I have heard, (and read on OH) that some people have over come exclusion clauses in their insurance by stressing the co-morbidities that are suppose to be covered. If anyone would share what those letters contained and how to write them so that the insurance company will take those into consideration I'd be greatful. Last time I talked to the office manager at my surgeon's office she didn't sound hopeful. She said she would discuss it with the doctor, but I "don't need to call them, we'll call you." since that was middle of November and I haven't heard from them, I guess they just wrote me off.  So sad.

I made an appointment to see my PCP today.  I am going to talk about my blood pressure (that has been high for months and not treated.  So I want to get it confirmed before I go to my surgeon consultation!) , and, to get a letter of medical necessity and other paperwork I'll need.  

I'm writing my own letter from a bunch of samples I found, and, I'm going to see if they can put in on their stationary.  

Is that nuts?  Has anyone else done this?