Is there any way around and exclusion??

I have BC/BS ppo(blue choice) of Oklahoma. I just found out surgery is an exclusion. I have already had my appt. with my surgeon. I talked to a customer service rep. and she told me to go ahead with my testing and have the surgeon send it all in that they could overturn it, but not likely. If I selfpay how can the insurance Co. refuse to pay for anything like gallbladder removal or hernia repair? also does anybody know of a WLS freindly pcp in or around the Shawnee area. sorry so long..God Bless take care everyone!!

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