Appealing Denial Based on Exclusion

[kim2bhealthy 3]

Well, I just sent out my appeal package to John Deere Health. Long story short, they have an exclusion in my policy stating that WLS for obesity isn't covered. I know that I will probably end up paying out of pocket, even my surgeons office told me it would be a waste of time(the appeal). But, I HAD TO TRY! You know? I'm not handing over $18,000 without kicking and screaming first. I just wouldn't have been able to sleep with myself if I hadn't at least tried. John Deere will be getting some interesting reading, thats for sure. The letter that I sent is 3 pages and the package with documentation is about 1 inch thick. They probably will uphold their denial, but at least they'll know where I'm coming from, and I was able to get a lot of stuff off my chest. Wish me luck guys, though I have a feeling it won't do any good! Thanks for listening! I just hope they don't make me wait forever cause I'm ready to schedule my surgery!:faint:

[PhotoNut 7]

I pray that the person who opens and reads the information that you worked so hard to put together for them is suddenly moved to grab the red APPROVED stamp!