Question:
Can anyone give me their interpretation of this insurance rule?

Here is what my policy says- OBESITY Not covered unless authorized by the medical plan due to existence of comorbidity and morbid obesity. I interpret that if I am morbid and have comorbs that I would then qualify. Is this how others interpret this and did anyone elses policy say this?    — CARLA C. (posted on September 26, 2003)

September 26, 2003
SOunds like it to me. Not covered UNLESS authorized means it would ber covered if you were morbidly obese and had co morbidities. Go for it!!!!!!!! Wishing you all the best.
   — snicklefritz

September 26, 2003
Yes, it seems to be saying you have to be morbidly obese (as opposed to just "obese") WITH co-morbidity(s). The big question would be - what do they consider a qualifying co-morbidity? My insurance company requires morbid obesity and a co-morbidity of at least one of these: coronary heart disease, diabetes, obstructive sleep apnea or hypertension. Good luck.
   — Carly H.

September 26, 2003
That's what my policy stated as well. Once the pre-determination was submited that supported the MO and comorbidities, the insurance company has been extremely helpful.
   — rleffler

September 26, 2003
I 'interpret it as "obesity" is covered 'with comorbidity and morbid obesity is covered. JMHO.
   — star .