CAN EXCLUSIONS BE ADDED IN THE MIDDLE OF APPROVAL PROCESS

WHEN I APPLIED FOR MY WLS WITH MY INSURANCE CO. THERE WAS NO EXCLUSION IN THE POLICY. WHILE I WAS GETTING THE ADDED IMFORMATION THEY WANTED ( THAT INCLUDED APP. WITH THREE DIFFERENT DOCTORS ) MY EMPLOYER ADDED A WLS EXCLUSION INTO OUR POLICY. I'M SURE THIS WAS TO KEEP ME FROM HAVING THE SURGERY AND MAYBE RAISING THE COST OF THEIR POLICY. IS THIS LEGAL ? IN THE STATE OF INDIANA

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