I have Anthem BCBS, and WLS is excluded from my plan unless medically necessary. When the surgeons office called my insurance they flat out said no it is not covered, failing to mention unless medically necessary. So I called BCBS and they gave me a Utilization Rep's number for my surgeons office to call. Today, I recieved a call from surgeons office and they are submitting paperwork for approval. Please don't give up, read carefully through your plan and keep calling BCBS untill you get the answers you want. GOOD LUCK!!!