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fingers crossed wish you the best of luck girl .. and i know for sure citi has great benefits my sister and her friend used to work there and her friend got gastric bypass covered she picked bypass but she did have an option .. when i began this proses i tried to get it covered with my husbands insurance but just like your old job his job also had an exclusion and as you learned there is no way around it . so thats why i had to go threw my other coverage to cover the cost thankfully they did cover it