Question:
im 19yrs old and on my fathers insurance.. But i got denied.. Can someone help me?

im 19 and im 5'5 and weigh 315lbs.. Im not happy at all. Im on my dads insurance.. Today i went to go get papers from the office today and they called my insurance and my dads policy dont have WLS on his benefits.. I really want this surgery is there anyway i can get insurance to approve it.. I have humana.    — erin_lynn91 (posted on November 3, 2010)

November 3, 2010
Erin, this is a tough one. What this means is that the company that your dad has his insurance through does not include WLS as a covered benefit. I have heard of exceptions being made in extreme cases if the situation was life threatening. You would have to have comorbidities such as type two diabetes, heart problems, high bloodpressure, joint problems verified by your doctor for them to consider you. The other alternative is for your fathers company to change their benefits to include WLS in next years plan. I do so hope something works out for you, good luck and God bless!
   — Bonnie H.

November 5, 2010
Most or some insurance companies do not cover weight loss on the policy. Meaning, that it has to be deemed medically necassary by your doctor. Your doctor has to see that you do need the surgery. Exclusions on the policy refer also to things like they won't pay for Jenny Craig, Weight Watchers, tummy tucks, things like that. But if you can get your doctor to deem it necessary and you have comorbidities, diabetes, high cholestrol, sleep apnea, acid reflux, (things that are considered life threatening). A family history of these things aren't enough, you have to have them yourself. Best wishes. My policy had exclusions too, but keep pushing.
   — Kristy