not the primary

I am not the policy holder on my insurance, that woule be my mom. I called and asked about gastric surgery and was told no.... I know many people are denied this off hand at first.... how do I get the insurance company to pay for this? I am bound and determined to do this.... I don't expect them to pay for it all... just the majority... my parents said they would help me with copay as long as it's not above a couple thousand. I just need to do this surgery and with my family history of heart disease, type II diabetes, and other obesity related diseases I want to avoid them (if I don't already have them!) What do I need to do?

THANKS!!!!

What you need to do is call them back and specifically ask them these questions:

1. Is there a weight loss exclusion on this policy?

2. If not, what type of Weight Loss surgery do you pay for? Some only pay for Gastric Bypass and Lap Band and not the Sleeve.

3. What are the requirements for Weight loss surgery? Usually it's a BMI above 40 with no bad obesity related diseases (which from looking at your ticker you should be above).  Then some have you have so much of a documented medically managed diet and so many years as an obese person before they will cover surgery.
 
Best of luck to you!

-Carrie