Aetna's policy on small companies; Insurance - 7/06/2005

I work for a small employer (15 employees) headquartered in VA. As of July 2005, we are in the process of switching to Aetna (HMO or PPO I'm not sure of right now). UGH - I read somewhere that as of January 2005 Aetna's policy of covering WLS (for small employers) is allowable ONLY if the employer purchases the morbid obesity rider. I'm pretty sure my employer will not purchase the rider (out of 15 employees I, unfortunately, am the only obese employee). BUT - I reside in MD which has a law/bill that ins. providers must cover the surgery if deemed medically necessary. I think VA has such a law, too. I am only 5 feet tall and my BMI is 54.3. My GP referred me to Dr. Fullum in Washington, DC in May 2005. Does anyone think I stand a chance? Thanks in advance.

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