I hate written Exclusions

Hi everyone

Asking for some help here. Basically here is the scoop. I had the Band in April of 08, but lost my insurance in 2010 and havent been able to get adjusted since then, I have gained some weight back and I am sure its because Im not adjusted correctly. My fiance is also trying to get surgery as well. She has Cigna I Have Aetna. Aetna has a written exclusion against ANYTHING having to do with Bariatric surgery. She has Cigna, which OVERALL covers the surgery HOWEVER, her employer Knowledge Universe (Kindercare) has an exclusion written in their policy with Cigna. So we are seeking to find ANY private insurance in Nevada that will cover the surgery (possibly in Texas as well as we could possibly move if need be). I know how much the surgery can help (i lost over 120lbs at my peak) and I want that same thing for my fiance. Anyone with any help would be greatly appreciated.

Thanks

Marc

Private insurance does not pay for WLS.  They  would go broke if they did.  People would get a policy long enough to have them pay for surgery and then drop the policy.

Have you considered self pay in MX?  Most people are self pay because most people do not have WLS benefits.

Pretty much all ins co's offer WLS, it's up to the employer to pay the additional premium for the WLS rider.  It's very expensive.