What should I expect when my insurance's exclusion statement is so specific?
My insurance carrier is UHC Select EPO (Southwest Airlines). The exclusion reads "Gastric Bypass Surgery as a form of treatment for severe or morbid obesity is not covered". When I called the insurance company and asked under what circumstances is the procedure covered, the CSR stated that based on an "alert" that is posted on her screen, effective June 14th, 2002 the procedure is not covered under any circumstances not even medical necessity. When I asked why I never received this change to the benefits contract she stated that is the responsibility of the employer to do so. Can anyone shed some light on what my next course of action should be?
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