Purchasing an Insurance Policy??

I have 2 questions... First if your insurance company says it won't cover WLS then is that final.. or can it be appealed?  It says in their exclusions that it doesn't cover but are there usually loop holes? I have the Healthy Indiana Plan (HIP) (which is not medicaid) and in their coverage booklet it says that they dont cover WLS. Is is possible to purchase my own policy (I am not employed) and have WLS covered....   I know there would be a lot of hoops to jump thru but has anyone accomplished this???