Insurance exclusion 2015. Allowed 2016
Hello all. I had surgery 10/21/15. At that time my insurance excluded bariatric surgery in Cincinnati but covered it in Cleveland. I filed appeals but of course was denied. So we took out a home equity loan and pulled the trigger.
Guess what? They are covering it in 2016! I'm beside myself and owe S15,300! Do I have any recourse? Can I sue them for coverage or something?
Thanks!
Hello all. I had surgery 10/21/15. At that time my insurance excluded bariatric surgery in Cincinnati but covered it in Cleveland. I filed appeals but of course was denied. So we took out a home equity loan and pulled the trigger.
Guess what? They are covering it in 2016! I'm beside myself and owe S15,300! Do I have any recourse? Can I sue them for coverage or something?
Thanks!
no you can't sue them. It is entirely your employers choice whether to buy the coverage for their employees or not. There is nothing to sue over,you can't win and would just be out attorney's fees.
Sadly this is a risk you took. Sorry :/
VSG with Dr. Salameh - 3/13/2014
Diagnosed with Binge Eating Disorder and started Vyvanse - 7/22/2016
Reconstructive Surgeries with Dr. Michaels - 6/5/2017 (LBL & brachioplasty), 8/14/2017 (UBL & mastopexy), 11/6/2017 (medial leg lift)
Age 42 Height 5'4" HW 319 (1/3/2014) SW 293 (3/13/2014) CW 149 (7/16/2017)
Next Goal 145 - normal BMI | Total Weight Lost 170
TrendWeight | Food Blog (sort of functional) | Journal (down for maintenance)
No - sorry. They won't do anything retroactively because it was a plan exclusion at the time.
Even Obamacare.
Revision Lapband to RNY 2-6-2013 HW: 286 Pre-Op Diet: 277 Surgery Day: 265 Goal: 155 CW: 155
Plastic surgery 8/28/2014: Brachioplasty, mastopexy, & abdominoplasty.
Plastic surgery 1/27/2015: Butt Lift
