Shoul I fight this exclusion or just wait?

I reccieved this statement from my doctors office (from the insurance company) stating that they will not pay for the surgery because...[This certificate specifically excludes benefits for surgery relating to obesity an weight reduction treatment. This exlucsion section of the certificate states that, in part, "We will not pay benefits for any of the following: Charges for weight reduction treatment or programs, suction lipectomy, physical fitness programs or equipment (including health club membership fees or services) exercise thearapy or nutrional counsleing, except as stated in the Covered Medical Services section; treatment, diagnosis or supplies (including surgery) related to obesity." To me it sounds pretty ironclad, but a couple of replies indicated in others posts that they do not say morbid obesity, so I could fight it. However it does say weight reduction surgery. So what should I do? If I do an appeal, how do I write one. I already asked my Doc's office and she said that I would I have to write it on my own. So any advice will really help. Thanks. -Danielle

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