Has anyone found their insurance covered care and excluded care contradictory?

My Background 21 year old male. Morbidly obese since childhood. Started seeking professional help at 14 through which my doctor sent me to be seen each month at Lebohner Children's Hospital. I was experiencing delayed puberty, and my hormone count was all screwed up. Doctors never gave me a diagnosis other than there is something wrong. I went on their supervised diet in which worked for the first month but then soon after did not. After doing this for a while, my parents ended up getting divorced so I stopped going to the doctor. Another year passed. Health wise, getting worse by the month. Go to the doc, more meds and supervised diets witht the help of a nutritionalist. Nothing. I had started to work full time, and this is when my real health problems got going. I have always had shortness of breath, but it has increased severely. I got hemmorhoids, which weight played in that. My legs had cellulitus ( which it turned all red and stuff) and had to take a week and half off of work, and take antibiotics. My PCP thinks I may have sleep anea, because I am tired most all of the time. He referred me to a surgeon and has written a letter of medicall necessity for the surgery. I have a strong family history of obesity, diabetes, and heart problems. Nothing too severe at the moment, but enough where I know something must be done. Ins. I have BCBS of Tn PPO. There is a written exclusion. That is really why I wanted to see what is going on. They told me when they denied me that none of blue cross was approving the surgery anymore. That is such bull crap. the exclusion states: Excludes: Services of supplies related to obesity, including surgical or other treatment of morbid obesity. Ok. Sounds pretty iron clad. But my book also says.....Covered: MEDICALLY NECESSARY AND APPROPRIATE SERVICES AND SUPPLIES IN A HOSPITAL WHICH IS 1)A LICENSED ACUTE CARE INSTITUTE. 2)INPATIENT SERVICES. 3)HAS SURGICAL AND MEDICAL FACILITIES PRIMARILY FOR THE DIAGNOSIS AND TREATMENT OF A DISEASE AND INJURY. 4)HAS A STAFF OF PHYSICIANS LICENSED TO PRACTICE MEDICINE AND PROVIDES 24 HOUR NURSING CARE BY GRADUATE REG. NURSES. This is what I am talking about. I know that we all have heard the obesity is now regarded as a chronic medical disease by the National Ins.of Health. I even fall into that category of super morbidly obese with a bmi of 54. I am sorry to go on this spill. any suggestions. tell me about yourself and the process. I would like to hear any suggestions or comments.

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