the lesser of two evils? :-S
i have a "direct" policy with bcbs of alabama (i'm self-employed) and have been denied due to the exclusion which reads:
We will NOT provide benefits for the following:
Services or expenses for treatment of any condition including, but not limited to, obesity, diabetes, or heart disease, which is based upon weight reduction or dietary control or services or expenses of any kind to treat obesity, weight reduction or dietary control. This exclusion includes bariatric surgery and gastric restrictive procedures and any complications arising from bariatric surgery and gastric restrictive procedures.
My husband has a new job and on december 1 we'll be eligible for his group insurance (through GE Financial Health Insurance). Their exclusion reads:
Coverage is NOT provided for the following charges:
Services, surgery or supplies directly related to treatment of obesity, whether or not associated with or as a result of metabolic, vascular, endocrine or an other medical condition, surgery for removal of excess fat in any area of the body, resection of any excess skin or fat following weight loss or pregnancy.
MY QUESTION: am i better off appealing the first one with bcbs? or starting over with the GE insurance? bcbs and the surgeon's office have been very negative, but i understand that's their normal approach in order to discourage appeals.