Question:
Is there a way to fight for approval even if my insurance excludes this procedure?

I haven't asked for approval yet. But here's what my insurance manual says. "Health Services and associated expenses for the surgical treatment and non-surgical medical treatment of obesity (including morbid obesity) are excluded." Is there a I way I can prepare for a fight if and when I'm denied?    — radiotammy (posted on October 30, 2003)

October 30, 2003
Hi, check out www.obesitylawyer.com for some ideas. Hope this helps... good luck!! ((hugs))
   — [Deactivated Member]

October 30, 2003
Honey, I hate to say it... but that is pretty cut and dried. You can try, but don't get your hopes up at all. Sorry...
   — Sharon m. B.

November 1, 2003
Hi! My insurance said the same thing and they denied me the first time. I appealled because when I called the insurance, one girl said that they had approved it before but I will need referrals. I got two referrals and the surgeon performing the operation to say it was medically needed. BUT... I was denied again and they waited the max amount of time they had to give me an answer. I was upset but this was my third denial. I say, don't get your hopes up but still try. You could be a lucky person. Good Luck!
   — Stephanie @.

November 2, 2003
If your insurance is not self funded you may have a chance to go through your states insurance commissioners office. It would not hurt to try. When I talked to the MI office they were very nice and extremely helpful. Good Luck< Becky
   — becky M.