Does this mean I won't get approved for the surgery?

I saw my surgeon, have had my psychosocial eval, nutritional consult, and have apts scheduled with my PCP and a cardiologist. My surgeon said at the first apt that he was certain that the insurance would pay--over 400 lbs, several co-morbidities, history of weight loss attempts. He said that he first gets a surgery date lined up and then puts the request through to the insurance. I'm confused: I got a letter on Friday, stating that the surgeon has already submitted a bill for the initial consult. At the bottom near "This is not a bill", the Blue Cross PPO states, ..."not a covered benefit." Should the surgeon's office have submitted this already based on what he told me before? And does this mean the insurance is going to deny the surgery? It's Blue Cross PPO/California Care/Prudent Buyer through my husband's employer. By the way, I can find nothing in the benefits book that says this type of surgery is excluded. I'd *greatly* appreciate feedback!

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