Is it covered or not??? I have BC/BS PPO Select. Coverage began 4/1/01.

My employer enrolled me on 3/18/01. I have not seen a doctor since Aug. 14, 2000. And yes, it was for my weight. I have a 12 month pre-existing waiting period on my policy. However, if the condition has not been treated in the prior 6 months, it is suppose to be covered. But, BC/BS will not pre-approve. They just say that it will be reviewed after the procedure is done. I can't afford to pay for this out of pocket and I need to get back to work. It's either this along with possible bladder suspension and gall bladder removal or double knee surgery! What should I do? Will the surgeon go ahead with this? Is it common? I keep getting pushed around at BC/BS. Any direction to go on this would be much appreciated.

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