Has anyone given up on insurance before a letter has been sent?

This sounds nuts, but I checked with my insurance and found out there is an exclusion in our new policy for morbid obesity, as in anything to do with it is not covered. I asked my HR person and he was very helpful about the whole thing but the chances of it being written in is slim. Insurance said if they do get the policy changed it's doubtful the surgery would be approved unless I was "going to die" unless I have it (this is GE Financial BTW). I tried arguing the point I will eventually die if I don't have the surgery, but to no avail. Has anyone just decided that $20,000 is worth paying out of pocket rather than fighting insurance? I believe I can afford it, I just wish I didn't have to do it. I really don't want to wait a year going through appeals and find out that our insurance will change yet again. I also just want the surgery and begin living my new life. Any thoughts and advice is much appreciated!

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.