general exclusion not stating must be medical nessesity

My insurance exclusion(s)read "Surgical operations, procedure or treatment of obesity, except when Precertified by CHI" and "surgical operations, procedure or treatment of obesity, except when specifically approved by HMO." Insurance is Aetna Choice POS (in PA). Anyone know what this means? I'm confused when I call the insurance One person says nope not at all, the other says if it deemed a medical nessesity then we have to approve it, and yet another told me it doesn't have to be a medical nessesity be just preapproved and precertified. HELP!

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.