If I sign up for my husbands insurance (excludes all things having to due with weight) sign up is next month but it doesnt go into effect to the first of the year. What if I had WLS before the first of the year but after I signed up for his insurance?

It's a double edge sword.  You can't get a private plan when you are obese and then you won't be able to get a private plan after you have WLS for about 5 years.  You are out of luck on that one.

I'm still going to suggest Mexico.  Research is free, surgery in the US is double the cost.  With proper research it's safe.  Shopping by price gets you less than skilled surgeons.

 
What was the reason for the denial?

I so feel your pain.  I am going through the same thing.  I had the rug pulled out from me.  My surgeons office calls me and says I was approved, I do all the pre-op testing and they start me on a liquid diet.  I am on liquids for a week and then get a letter from my insurance saying they are denying my surgery.  Oh boy was i depressed.  My surgeons office does a peer to peer and an appeal and it was denied as well.  I just sent in a request for a Fair Hearing on Wed and am waiting myself to see what is going to happen next.  I have a BMI of 42, diabetic, sleep apnea, high cholesterol, high blood pressure, so I am well qualified as yourself.  I found a copy of a letter on this site and I used it.  Hoping that it works for me as i have seen it work for others.  My Health Advocate states there is a law stating that they cannot deny us, not sure how to make that work.  I wish you the best of luck and we will have to stick together to succeed.  I will not quit either.  

Hello all.

Now that I have read the stories about people with complications with Aetna approving the surgery I am super discouraged.

I am working so hard on the presurgical 12 week program (week 6 of 12 so far) and I am spending so much money, it makes me sick to think that I could get denied.

Is it really worth it?