Question:
what can i do when I have an exclusion which states

a charge for obesity treatment or weight reduction, even if thecovered person has other health conditions which might be helped be a rduction of obesity or weight.    — marguerita S. (posted on January 14, 2003)

January 14, 2003
Find other health insurance.
   — Wanda R.

January 14, 2003
Not a whole lot. If it was denied for not being medically necessary, you have the right to appeal. However, for a specific exclusion, there is not much you can do.
   — Judy R.

January 14, 2003
Hi - I have an exclusion in my policy also . My ins. says I should have my pcp to call and then write a letter to the pre-cert. dept . to try to get an approval , there is a chance they might approve , but then again they might not . I saw my pcp yesterday and she is going to write a killer letter to the ins. and send me a copy . if it does not work , then I am going to go talk to the vice president of my husbands work , he and the president (owner) are the ones that can amend the exclusion . I have time , because I cannot get in to see the surgeon for a consult until May , so at least I can get some of my ducks in a row , to try to be ready for the doctor and hopefully a surgery date soon there after . good luck , just call your ins. co. and ask what you can do to get the exclusion overturned .
   — patti G.

January 15, 2003
I am echoing Rachel....You have a loop hole there since it does not state <i>morbid</i> obesity. My policy stated something very similar and I was approved after only one try. No matter what, FIGHT! You deserve this! Best of luck....Karen (lap rny- 9/20/02- down 98 pounds!)
   — karmiausnic