Question:
My policy (PHCS-Princial) has a written exclusion, but I noticed on the ins. research

that several people w/ the same ins. company have been approved and had WLS. Does this mean that my employer has choosen to exclude this? Or was never offered a plan that covered WLS b/c it didn't fit into cost perameters? Ins. company will give me NO INFORMATION on thies except that it is excluded. Thanks!    — Jenn J. (posted on August 2, 2002)

August 2, 2002
I believe I would call your human resource dept. and ask them if they have excluded it. My company does not have an exclusion, however this year the insurance company added an exclusion of their own. Until our policy is renewed they still have to cover it if I meet the requirements. It maybe your insurance company has an exclusion but that may NOT mean they won't pay if it is what happened to me.
   — Pam G.

August 3, 2002
HEY ALL POLICY SAY THE SAME THING. SO DID MINE AND I HAVE CIGNA HMO GUESS WHAT THERE A BACK DOOR IN EVERY POLICY . MORIBD OBESITY IS ACTUALLY CLASSIFIED UNDER A DISEASE CODE AND NOT A STATE OF CONDITION WHICH YOU CAUSED ON YOUR SELF. WHAT YOU NEED TO GET IS A LETTER OF MEDICAL NESSITY STATING THAT GASTRIC BYPASS WOULD BE A GOOD TREATMENT FOR YOUR DISEASE AND YOU NEED PROOF THAT YOU HAVE BEEN OBESE FROM MEDICAL RECORDS FROM THE PAST FIVE YEARS. ALSO YOUR GOING TO NEED ALL YOUR DIET HISTORY AND PERSONAL, FAMILY HISTORY OF ILLNESS. BACK DOORS ARE EVERY WHERE LIKE I SAID I BARELY SWEAKED BY ON FINDING A DOOR INTO GETING THIS SURGERY I BOUGHT THIS GREAT BOOK (A DOCTORS GUIDE TO GASTRIC BYPASS SURGERY ) BARNES AND NOBLE ON INTERNET (GO TO BOOKS SUBJECT TYPE IN GASTRIC BYPASS SURGERY AND THE BOOK WILL COME UP. IT A GREAT BOOK HE EVEN HAS RECIEPS FOR SPECIAL DISHES
   — sheri B.