Starting my work-up Before my new ins coverage begins??

I have decided to go with my husbands PPO provider for my ins as well. And then drop mine, since it lists in it's exclusions NO weight loss surgery of any kind for any reason. I can find no such exclusion in the information that we were given on his PPO plan. They do however state that they have No pre-existing condition clauses in their policy. I had called their customer service # to see if an RNY would be covered if medically necessary and they said no it would not. However I'm going to try and get it through them anyway since my coverage said they won't in writing in their exclusions. My question is this....I have an appt with a surgeon Dec 2nd and I would like to keep that and start my work ups now. I realize that I will have to pay out of pocket for the appts and tests now because the ins coverage doesn't take effect until Jan 1 2000. But I hate to wait until then to get everything started. Then I could just have it submitted after the 1st of Jan for the surgery. Do you think that it would cause any problems with being approved for the surgery? Because I started my work-ups before coverage began? I don't want to cause myself anymore problems getting approval then I will already have. thanks, Deb C

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