exclusion or not?!?!?!?
The first insurance company we had was Regence BCBS of Oregon and that insurance company covered the surgery, but my husband's employer opted to choose a plan that excluded wls, even though Regence BCBS covered it. Now, as of March 1 of this year, we've switched to BCBS of Illinois(because another company bought out my husband's employer). They have told me that they do cover the surgery and that my husband's employer did NOT put an exclusion in the policy for wls. But I received a coverage booklet in the mail stating what our insurance now covers. It states that anything related to obesity or weight reduction is excluded. I've since talked to BCBS of Illinois and they said that they don't know why it's in the booklet that it is excluded because it is NOT excluded. Also, when I sent in my information to be approved, they asked me to send in more information to help them make a decision----they did NOT say that it was excluded and that I was denied for that reason. I just want to make sure I don't get approved and then have to pay out of pocket because insurance later decides not to pay. PLEASE HELP!!!