The two policies that I could choose from Both say NO

I actually have two questions. I have been checking into my ins coverage and it looked as if mine wouldn't cover any obesity surgery. So I called them to ask specifically if and what the exclusions were. They told me that Any surgery that was weight related was not covered even if there was a medical need for it. ie: joint pain, sob, apnea, etc if the reason for the problem was do the excess weight. They said it did not matter even if morbid obesity was the cause, No weight loss surgery would be covered. So I contacted my Husbands ins company and checked with them...he has open enrollment right now and he can only change his coverage 1 time a year. So I thought I'd check with his and see if there were any exclusions. NO they do not have Any pre-existing condition clauses. However No they will not cover ANY weight loss surgeries even if there is a medical problem involved, or morbid obesity. They essentially told me the exact same thing my ins co said. If you have this or that medical problem and the surgery will correct it we won't pay for it IF its caused by excessive weight. Do I have any recourse with this?? Even if my surgeon lists reason for surgery as joint pain/deterioration, sleep apnea, etc. Obviously their review board is going to realize it's weight related or I wouldn't be having an RNY, since my stomach is Not directly attached to my knees or feet. So how would that help? Also I probably hurt myself by calling them and asking them because they wouldn't give me any information until I gave them my soc sec # and policy # on my ins and my husbands on his, so if they make note of incoming inquires they will know that it's due to morbid obesity. By the way my BMI is 51.8 but I guess that doesn't matter to them. Any answers would be greatly appreciated. Sorry this was so long. thanks Deb

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