Denial BlueCross PPO-Anthem of Ohio/Indiana Appeal?
I am in Michigan but insurance is out of state BCBS Ohio/Indiana. I have BMI of 59, sleep apnea, GERD, High Blood Pressure, Insulin Resistance, severe Asthma, Back & Foot Pain, High Cholesterol & Triglercerides. I have been off and on diets my whole life. Family history of severe obesity & diabetes. My isurance policy says it specifically cover WLS surgery for morbid obesity if considered medically necessary. BCBS just denied me saying that they won't cover it until I have been on a Dr. supervised diet for 12 consecutive months of which they will not pay for. I have already been on all the major diets. Should I and what do I need to do to appeal?
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