Should I go for it even though my insurance has an exclusion?

After months of research I have decided to have WLS. I got out my insurance plan book and it has an exclusion for "any treatment of obesity, including surgery for morbid obesity." My question is: Do I have to give up before I start, or do I go ahead with my first consult with my surgeon, who is on the insurance, and then let him do a letter listing my health problems and then appeal?

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