direct exclusion?

Is there ANY way to overturn direct exclusions??? I cant tell you how frustrated I am. ive been trying to get WLS for 3 yrs. Each road i reach has a barrior. my company switched policies on me, the next one had a direct exclusion. got them to offer me a different plan, was almost to approval, and got downsized. i have crappy credit so cant get loan, job now, but the insurance (medical mutual super med) has direct exclusion. any suggestions????

Hugs, i'll be keeping you in my prayers... i dont know anything about insurance, i even had a question about my insurance... i just wanted you to know your not alown out there on the limb of insurancehell.. sometimes i cant help but think its not right that someone else gets to dictate if we can or can not get healthy.. its very frustrating, but i have to keep the faith and know God will be here no matter if no one else is God bless you Paula

Andrea, Direct exclusions are very difficult to beat. Maybe not impossible, but to have any chance it would probably require the assistance of a lawyer. Dr. C

Just a little FYI if you look for an attorney as Dr C. said, think twice before you use Gary Viscio. I do NOT recomend him and there is at least 1 other woman that I know of that did not get any results from him and ended up a self pay because she got tired of trying to contact him with no results. If you want details please feel free to e-mail me. I realize that an attorney cannot guarantee results but there are details that were totally wrong and he is impossible to contact after he gets your $$.

Andrea, What a bummer! I have a friend with the same problem. He works for the county and is going to ask the county commissioners to see if they will redo the policy and allow weight loss surgery. If your employer group is small...you might want to check that out. Good Luck Sandy