Not that familar with t/exclusion s. Wondering ..are there any clauses pertaining to health issues due to weight. I also have an OH friend ..That needed the surgery sooo badly..she changed jobs to one that had the ins. she needed. There's also the option of paying for the surgery over time. I guess it all comes down to how badly you need it. All I know is..My health has completely changed for All The Better. My ins. ( Humana Gold ) paid for it..but if that had not been an option. I would have done whatever I had to do. My weight was slowly killing me. I hope you can find the answers you're looking for.