Please help me decipher this HMO exclusion
I have Blue Cross California Care,an HMO.The exclusion reads:"Obesity--Services primarily for weight reduction or treatment of obesity. This exclusion will not apply to treatment of morbid obesity as determined by BC HMO or the member's medical group if the medical group authorizes the treatment in advance as medically necessary & appropriate." Without the words "surgical treatment", does this mean wls is not covered? My BMI is 45 & I have some co-morbids. The word "treatment" is quite broad. Any interpretations would be helpful. Thank you;)
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