Did anyone, whose surgery was approved, have Aetna POS, and an exclusion?

I have Aetna POS (as opposed to HMO or PPO) and my policy excludes any coverage for obesity at all, including drugs and surgery. I have already run into problems with this exclusion with trying to get my referral approved for a consult with a surgeon. I found out that the nurse at my PCP's office didn't even submit it for approval or denial because of this exclusion. Can anyone let me know if their referrals were denied by Aetna with this type of exclusion?

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