Question:
Is their Exclusion really so

I read through my exclusion and it is the standard exclusion: "Treatment of obesity, including surgery and its complications, services and supplies connected with weight loss or weight control. This exclusion applies even if you also have an illness or injury which might be helped by weight loss." I noticed however that it does not say "MORBID OBESITY". I found another of their plans that lists both: Obesity/Morbid Obesity. Obviously they recognize the difference. Does anyone know or have you tried that angle? I am ready for a fight, but it doesn't look good!!    — Heather C. (posted on February 25, 2002)

February 25, 2002
I believe that it probably doesn't matter what another policy says. The exclusion sounds pretty strong to me. Do you have an opportunity to change to another policy when your employer has open enrollment? That might be your best bet to get covered. Also, if you're married and your spouse's policy does cover it, have him cover you the next time the opportunity arises (when his employer has open enrollment) and go that route.
   — garw

February 25, 2002
Hi. My policy has the exact same exclusion. They approved me within 5 days with BMI of 40 and no co-morbs.Good luck.
   — Ella P.