Has anyone been successful in obtaining approval despite written exclusions for WLS?

My other daughter is seeking approval for WLS through United Health Care...her husband's insurance. Her copy of stated health care benefits is from 2000 and contains NO exclusions for WLS. When she inquired about WLS this week, she was told that this provider now excludes "any and all surgical procedures related to the treatment of weight loss" and the provider is mailing her a copy of their revised policy. Her husband is changing employment in 2 weeks and will then have federal Blue Cross/Blue Shield. She was planning to COBRA the insurance from United so that she could have the surgery right away, and is afraid that BC/BS will have her wait for several months because they will consider her morbid obesity to be a "pre-existing condition". Has anyone had experience with either of these providers? Will it be worth the time and effort to appeal for approval with United since they have an existing written exclusion? Has anyone obtained approval via federal BC/BS? Thank you for your help.

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