Sounds greek to me, too. The previous insur policy I had with my job also did not have the weightloss surgery benefit. If my employer would have chosen it, it would have cost them more to have the benefit and more for me to pay for it weekly. I think now more insur companies are paying for the surgery through individual plans. There are advocacy groups for obese patients who are denied insurance benefits.(In the gray area, this is illegal) However, I do not do ebooks either.