Need advice on whether to switch insurance carriers after having intial consultation.

At my job we have 1 month to make a decision about the type of insurance coverage we will have for the next year. My current insurance is GA State Merit & morbid obesity is excluded in their policy. I have received no denial yet, but I have talked with them on the phone & was told that weight loss surgery would not be covered. We have a choice of Aetna Us Healthcare, AUSHC CCO, Bluechoice/CCO, Or Kaiser Permanente/CCO. From the research I have done on this site Aetna has covered or will cover weight loss surgery,but will they consider my weight to be a pre-existing condition. Also could they refuse to cover me because of my present weight or medical problems. If I change coverages & then they refuse to accept me then I will be in a position where I might not have any insurance due to attempting to change to a new company who I feel may cover the weight loss. Please offer any advice that you feel may help including whether to go with a PPO,HMO CCO, or whether I should wait to hear in writing from my current insurance (State Merit). Thanks!

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