HEY GARY!

My previous post ,"Limitations and exclusions  is it, Iron Clad"? Thanks jeaniene

Any treatment, including but not limited to surgical procedures: -for obesity, whi*****ludes morbid obesity; or -for obesity, whi*****ludes morbid obesity, for the purpose of treating a sickness or bodily injury caused by, complicated by, or exacerbated by the obesity. 215500 05/05 It's prettyu straight forward.  Some states allow appeals for any reason, unless it is a federal plan.   But it may be tough to beat.  Have you spoken with your HR Department yet?

Gary, Thanks for answering. I have spoken to the HR Dept and she informed me that I should appeal.  I work for Michael Reese Hospital and the Insurance I have is Humana PPO. We are owned by a group of Doctors from Arizona formally known as Doctors Community but they have since changed there name to Envision(I think).  The HR Dept says that we are private funded because we hire out  to another company for the insurance?(I did not quite understand her).  Are there any specific questions I should be asking HR(actually its our Benefits Dept we  speak to). Also have you seen an appeal  letter(sample) floating around for laparscopic gastric bypass. My Primary and my endocronologist whom are both from Rush/St Luke (Chicago) are trying to help me. They too are frustrated and do not understand why the Insurance co/employers exclude the surgery . They are pushing me to appeal but I need some guidance in the outline of the appeal letter. Thank you so much for answeringme post. I was getting  frustrated and ready to give up. I have been renewed and rejuvinated. You are a lifesaver to so many... Respectively Jeaniene