Insurance Exclusion \ exception Question

[Staci Wiederstein 0]

I have bcbs insurance and my policy language specifically excludes weight loss surgery. I am wondering if anyone else has had this and if they have had any luck getting it covered by having the doctor submit a letter of medical necessity? Should I even try to fight that battle and wsste that many months or should I just start to find ways to pay for it myself.

[KAATNS 1,473]

Typically if it's specifically excluded the insurance company won't budge. But who knows...maybe you'll get lucky. I guess it woudn't hurt to try, but I would be surprised if they change their exclusion policy. I would have a back-up plan in place if you're seriously considering WLS. Good luck!!

[AZ Gary 149]

My policy had that clause also and the center said I would have a very slim chance of fighting it. I ended up self pay but was lucky enough to have a 401K at work that allows you to take a loan against your balance. The interest paid goes back into your fund minus a very small administrative fee. I was able to apply and had funds in my hands is less than a week. For me it sure beat the 6 month study by the insurance company where they might bail on coverage anyway. I figure I will be 9 months ahead of the weight lose curve going that path.