Customer Serv. Rep told me they would cover WLS if it were proven medically necessary

and since I was going out of network with a referral they would cover 90% instead of 70%. My surgeons office told me they were told that benefits for WLS were available under my plan if it was medically necessary. Today I received a letter from insurance that said it is excluded from coverage under my contract. Since we just became covered under this plan I have nothing in writing. Can they do this? They lied to me and the doctors office. I have no proof though. I wish I had recorded the conversation. I plan to appeal. If anyone has any suggestions or knows of any laws about this let me know. The insurance is Atrium- a MN BC/BS plan, I live in ND. Thankfully I kept Aetna, choosing to pay two premiums as they had approved me in July but I chose a new surgeon and they required him to submit a new request. I'm still waiting to hear back on that. Aetna only pays 70% of a set amount so I hope to get approval from both companies. Thanks, JB

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