Has this happened to any of you.

My insurance company wrote back to my surgeon and stated that while I might be considered for the gastric bypass, they did not pre-approve surgeries. They went on to explain the benefits and how to file a claim after the surgery but made it sound like no determination would be made as to whether or not to pay the claim until after the surgery. What the heck do I do now? I feel confident that I have a strong claim, with co-morbidities and two doctors who have wanted me to do this a long time ago, but still..shouldn't an insurance company be willing to commit? I have a private pay policy which I have had for 20 years and they always paid my surgical claims before with no question. Any suggestions or interpretations?

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