How Do I Get Around This Obstacle?

I just heard from my insurance company - now they have changed their mind. They are saying my request is denied because I want to go out of network for the DS but they want me to stay in network which means RNY. Nothing against any one procedure, but I came to this decision on my own. I have out of network benefits, excluding morbid obesity out of network. This means if I want morbid obesity surgery, I need to stay in network. I know many people here have gotten around exclusions. How did you do it. What do I have to say so they will let me go out of network. I tried the inadequate coverage deal, but they said they don't care about the procedure type, so they won't let me go out of network. HOW DO I GET AROUND THIS OBSTACLE???

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