Writing letter to employer without getting fired!

So I have one last appeal that has to go to my husband employer if I am to get approved due to a clause written in the policy. My surgeons office said that me and my husband are to write letters to the company and really share from our hearts how we feel we have been let down. Mainly since we went 8 months without being told there was a clause on the policy and that as long as I met the guidlines given by the NIH then they would pay, only to come back after I sent in my info and got two denials due to the clause. So how do you get the point across without really just laying it all out on the line and telling them how you feel you were let down by the company and lied to by UHC. Any suggestions?

Be honest, but professional. Use words like disappointed instead of let down. Give them lots of fact about the cost benefits of WLS and really state your case using information, not just how you feel. You may not only make a difference for yourself, but also for others. There is a young lady here who had to fight for the surgery with her employer as well. Her page is here and maybe she can tell you more about what she did.

I agree! Be really professional about it. Maybe cite some articles about how much money is saved in medical costs when weight loss surgery is done...there are a lot of them out there. I would also mention that the lack of information about this exclusion has left you feeling deceived. It's important that companies be upfront about what is covered in their benefits and what is not, and I feel like a lot of companies are really bad at that. Even their trained HR representatives are misinformed about the details of their own policy many times...which is frustrating. And that's not right! You pay money for these policies, you have a right to know exactly what you are purchasing. In your case, it sounds like UHC was also unaware of your husband's company policy too.  Look at it this way: you have a responsibility to let them know about your negative experience...in this way, you are helping them to fix some obvious problems in the benefits they offer and in the way they keep people informed. You are helping them.  Be polite, but persuasive. If you can help in some way for them to change their policies you can be a part of the solution that will benefit many others in the future. I truly believe that eventually weight loss surgery will be offered by all plans and all insurance companies...it's just a slow process to eventually get to that point. By documenting everything you went through, and by writing letters to express your concerns, you are helping us to eventually get to that point. Good luck!

You need to show medical necessity to them.... what you have struggled with, why you need to procedure... keep to the point of how you will benefit from the surgery and what medical issues it will prevent/cure...  stating you were lied to and feel let down wont prove you really need this surgery!!