Miranda,
My advice is that you get at least three different care coordinators "take" on what UHC does and doesn't cover per your policy. When I was having trouble getting a straight answer out of them I followed the advice to keep calling and asking the same question. Low and Behold when I got another rep on the phone I received the correct information. UHC DOES cover the band unless there is a specific exclusion in your policy. UHC DOES cover bariatric surgery when deemed "medically necessary for morbid obesity" unless there is a specific exclusion. The verbiage in these policy documents can be really confusing so your best bet is to call and try to speak with a manager. Even though I was able to get confirmation over the phone that I had been approved, it took twice as long as they said for me to get it in writing and then when I did get the letter it was written in such a way that suggested that the surgery might not be covered. Anyway, once again I called and talked to the care coordination department, asked for a manager and had it all deciphered.
If you have a hard copy of your ins. policy in hand and look for the section titled "exclusions" you should find something referencing weight loss surgery or bariatric surgery. Usually the exclusion language includes some qualification with respect to morbid obesity and medically necessary.
Good luck. Keep me posted. I'll be thinking about you and hoping for success. This time last month, prior to my approval, I doubted that I would ever be in the position to say that I was approved.
Anne (puffyone)