WLS was predetermined 6/08 ~dropped WLS as of 9/2

I am really upset...I have UHC and called 5 times in June 08 to find out coverage,
My surgeons office called for pre-determination rec'd that
I went through the program ( my surgeon wanted 3 months)

We went for insurance approval and they denied this because we have no coverage. Policy was revised as of 9/2/08 my husband works for Fiserv/checkfree it is not a small comapny.

Can they drop a benefit in the middle of a plan year. I used to work for Aetna and I know this is big expense added on and if this were the case wouldn't our amount change in what we had to pay as an employee.


I have a feeling it is a lost cause. UHC admitted that they gave me coverage in 6/08 and 7/08 and had coverage but now the changed the policy to exclude that.

Guess I am always meant to be this way :(

No you're not! Girl if there is a will there is a way! Something will happend never give up!

Don't despair!  I have been trying to have RNY for 5 years now, and Me and my hubby have had several different jobs, and I got denied because of exclusions with 3 different jobs/insurances.  My hubby works at Cracker Barrel now, and we have UHC.  They have denied me twice, and I am on my last appeal.  They are saying I shold know something by next week.  Im not holding my breath though.  Something always seems to happen, to where I wont be approved or something.  Maybe you could try a new insurance if you ever change jobs.  Don't give up, just keep praying and working at it, no matter how long it takes!  Amanda

Thanks everyone for the answers... My husbands HR and my surgeons office is working on it. It was a mistake between UHC and my husbands employer. So they are trying to come up with a solution for everyone involved. So I will keep you updated.
Lisa