Employer exclusion--Help!

My pre-determination has been denied by United Healthcare due to a written exclusion in my employer's policy with United Healthcare. The exclusion states that "expenses are not subject to reimbursement for surgical treatment of severe obesity where the individual's body weight is less than 100 lbs. over the normal weight for his/her frame". I sent a letter of appeal to United Healthcare and my employer. My employer denied it and said they were not obligated to approve, even though I meet the guidelines according to the NIH. I called United Healthcare and they said that they cannot override the employer's decision. I have co-morbidites such as hypertension, sleep apnea and GERD. My BMI is 38. Do I have any chance at all to have this decision overturned?

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