I've been denied for the last time--What can I do now?

I have insurance through my employer in MD, which is a small group company. There is an exclusion in the policy stating that treatment of obesity or treatment for weight loss is not a covered benefit. I have appealed their original decision, which was denied. I then filed a complaint with the Maryland Insurance Administration, and was told there was nothing they could do, because weight loss issues are not a mandated service in Maryland. My local senator, who sponsored and had passed a bill legislating obesity treatment, wrote a letter to the company, only to be denied again. The legislation I referred to passed, but it did not include the small business plans. There is a plan that in July 2002, the insurance commission will include it in their plan, which would go into effect for me, but it would not go into effect until the policy is renewed in March 2003. I don't want to wait that long to have this surgery. I am missing out on so much now. Are there any ideas for me to utilize from here? I would greatly appreciate any input on this.

We greatly appreciate your interest in helping us build our Q&A database. To discourage vandals from posting garbage, however, we require people to register before posting.

You must be logged in to post an answer. Click here to log in.