UHC question and help with Insurance!

 
~~Hi everyone for taking the time to read this topic. I am asking for help. Yesterday I went to my first seminar at Dukes in Durham NC. It went great, but when I called my insurance I found out that my insurance wont cover the surgery. UHC said that my job has excluded the surgery from the policy I have :-(  so I ask the Nurse If  I could fill out the application and he said no until I have an answer of approval of my insurance. If not that will be a waste of time, Anyway  UHC told me that I can send a letter to them to appeal it. I dont know where to start of how so I need help writing my first  letter to the insurance to appeal for an approval. If any of you went to the same thing can you please  give me an advice how I can start please??~~

The thing with appeals is that you can appeal anything.  You can have a doctor's order to eat lobster for every single meal but that doesn't mean ins will cover it or that appealing would help. :o(

If you do not have the coverage your appeal would be based on the following, your employer didn't buy the WLS portion but you want WLS anyway.  See what I mean?  Sadly, that isn't going to help.