Does anyone know what I need to do next?

I haven't received the official letter of denial, but the person that I spoke with was not concerned. After telling me that my company had a written exclusion on the surgery and that if I just ate a balanced diet and worked out more often, then I wouldn't have to worry about the surgery. After asking to speak to the supervisor the call was miraculously disconnected. I went to their web site and found that they list the surgery as: The following services are not covered: Cosmetic Procedures - Weight loss programs whether or not they are under medical supervision. Weight loss programs for medical reasons are also excluded. Reading further I found that if you had a breast implant (which has nothing to do with me) and it ruptured then your SOL. - Replacement of an existing breast implant if the earlier breast implant was performed as a Cosmetic Procedure. NOTE: Replacement of an existing breast implant is considered reconstructive if the initial breast implant followed mastectomy. I can't understand that being 415 lbs with a BMI of 49.2 is a cosmetic issue. My next question is if the IRS list "Obesity as a Disease" and The cost of participation in a weight-loss program as a treatment for the disease of obesity is an amount paid for medical care which is reimbursable, how could the insurance company not be willing to pay for the surgery if they can re-coop the money on their on taxes?

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