Adermyer

Hey guys, I am new here! I recently found out that I have what is called a complete heart block, where by electric signals are working as they should in my heart. I am over weight with a BMI of 38.4, I have high blood pressure, i am pre-diabetic, high triglycerides and cholesterol (hereditary), fatty liver, acid reflux and I am getting a sleep study done for sleep apnea. My heart doctor said it is 100% nessesary for me to lose weight or I won't make it to see my kids grow up. My insurance is United healthcare choice plus and my employer doesn't have weight loss surgery on our plan and my HR said they never have and won't add it to our plans, so it is obviously going to be denied. My question is being that it willow sure be denied and I don't have coverage for it on my plan, if I appeal it and have my doctor write a letter stating that it is very medically nessesary for me to have this surgery would that change anything? Or is there zero chance of it getting approved because I don't have the coverage?

That is what I am worried about. My husband work offers insurance however open enrollment isn't until November then it would be another 6+ months after that. Looks like I will be paying out of pocket.