Denied- now what?

I have waited a month and a half and now got the word that my surgery was denied. I do not know why as the insurance company told me that it will be in the letter they are mailing, and they can not disclose that over the phone. Anyway, is this God's way of saying no or is it just an attempt of the enemy to discourage me? How do I know.?Kim M.

On what basis were you denied? Do you have an exclusion in your policy, is there a 6 month diet and exercise trial, or are they using the ol' "experimental" exclusion...either way, make sure you understand what they denied and file an appeal and fight...most insurance companies will sort out the folks who will just go away so they don't have to pay, so be one of those who fights and appeals...it is so worth it! Also, consider looking into legal representation if this seems too overwhelming to you. Good luck!!

I don't know how to answer your question. But, I want to encourage you. I was approved immediately, However, I did send in an Excell spread sheet with my weight and diets back to the 3rd grade. I send a 3 page letter explaning the my physical and emotional issues due to the obesity. I was very frank and asked them to consider the quality of life I was seeking. I prayed for every person that touched my paperwork or had some decision in the process. That God would move with compassion on them. If you decide to appeal, which I think you should unless you are hearing "No" from the Lord, I would cross every T and dot every I. Here is the scripture I prayed. Proverbs 21:1 The king's heart is in the hand of the LORD, Like the rivers of water; He turns it wherever He wishes. I prayed that the Lord would turn the hearts of everyone in the process to be moved by compassion in my favor. Remember sometimes, the answer is not no, it is just not now. Trust Him. I am praying this prayer for you tonight. God bless your journey, Love J. Marie

J. Marie, Thank you for your reply. I really appreciate your encouragement. I am not hearing a No at all. The only thing I think I should change is the type of procedure. I wrote in my reply to Denise (in this posting)about my change of band vs. RNY thoughts, if you want to follow up with that line of thought. I did pray for my case and the person who handled it. Yet I just keep wondering about the band instead of RNY. Thanks for your prayers. God bless you too., Kim M.

Thank you Denise. As soon as that letter arrives, I will review everything very carefully and file an appeal. The only thing that keeps coming back to me in this whole journey is that I started out feeling that a band was the right way to go, but the surgeon and my husband's influence made me think maybe I should go RNY. The surgeon had only been in on12 bands and my husband thought the RNY was more of an assurance of success. Perhaps, it is that nagging feeling that the band is the right way for me and I need to make a change and appeal. Also, my anestisiologist on the surgery I had on my foot 2 weeks ago said he thought I had severe sleep apnea. Maybe I need to include that. Otherwise, I thought I had done EVERYTHING they had asked for. Thanks for your advice and your prayers would be wonderful. Kim M.

Denise, I think I put my response in the section below under J. Marie's name. Sorry. Kim M.

Hi Kim, I agree with what was said. This is so worth fighting for! Whatever their reason, if its not a direct exclusion you should be able to get past it. In my case I initially thought I wanted to have the band but my insurance will not cover the band so I had RNY and have no regrets. In fact my surgeon does both and has very good results with both. Best wishes on your journey!