I am 35 years old. My BMI is 44%, I have co-morbidities but take medications that are successful. I am pre-diabetic, have sleep apnea, and a strong family history of heart disease related to weight.
My question is, how do I appeal again? I wrote the first appeal letter basically saying I have all these co-morbidities and in the long run the weight will kill me. I got denied on appeal. My insurance requires you be 49% BMI for automatic approval without medical conditions, 40% with.
Do I find a lawyer to help write it? Do I write it myself? Do any of you want to share your appeal letters to give me ideas?
