OK,so I called LifeWeigh. part 2, update...

I called my HR guy, and he said ho was going to talk to my mom about a few options.  One is, trying a "Medical Reimbursement Plan" ? ( Anyone kjnow what that is ?  It;s not the Medical flexible spending, etc , not the one you put $ into, etc..) or adding the Morbid Obesity coverage on the new policy for the new year ???  My mother won't do anything that is going to be astronomic in cost, so I hope neither of these are too costly...Any ideas ??  I would probably have to pay back some to her for the change in policy...but I wonder how much it all boils down to...  The part I don't understand is, OK, why would we even get denied if we HAD the coverage ?  Maybe i'm stupid.  But since we don 't even have the coverage I would think that is why we are appealing. ??? If we do add the coverage, the surgery should be approved, right ?  But then I know that sounds too easy...because I know that the "norm" is to go thru the process of getting it approved/denied when there is actual coverage.  Am I making any sense ?  I guess what I am trying to say is if we have the coverage, why would it be denied, the coverage is there ?  Please, enlighten me ? BTW: I  do sell Gold Canyon Candles and Christmas is coming up, if interested, check out : www.mygccandles.com/susan     They're  nice for those stressful dayz...and I have alot of them lately,plus being in pain all the time, taking a nice hot bath by candlelight is my thing...Been doing this for 7 years....Check it out :-)  

Well, you need to find out if you really do have coverage or do not have coverage for the procedure. That all is given to the policy owners in writing and then the person that is covered is given an insurance policy handbook explaining everything. Your insurance card has the telephone number for customer service on the back of it.  Are you going on just what the doctor's office is telling you that you got denied? When a person gets denied they receive paperwork in the mail also as you receive it when your get approved. You yourself can call your insurance company and find out if you have coverage at all. You really need to be your own advocate here with your insurance and find some of the answer from the carrier yourself.  I think about the first part of your post you may have to do some Google searches on the terms that you mentioned and see if you can come up with an explanation for them. I am not familiar with them at all.  Christine