Insurance question

Missmaureen78 · 11-07-2006, 11:25 AM

Hi All..i'm new to the forum and have an insurance question. I'm on pins and needles waiting for HR to get back to me on this, so I figured I'd ask y'all if you had any thoughts on the matter.

My company's insurance contract has an exclusion for "treatment of weight reduction or obesity."

I've read that the Band may still be covered, as I'm morbidly obese, and the treatment is not for weight reduction, but rather treatment for co-morbidities that my Dr. feels will arise.

Has anyone had a similar experience? I would HATE to self-pay, but will do what I have to.

THanks
Maureen

Bullwinkle · 11-07-2006, 05:38 PM

I may be wrong...........and usually am.........

But what I've found out about exclusions to health insurance policies is that the employer makes the exclusion. If you have an exclusion for any kind of weightloss surgery, then it's your employer who is refusing to pay for that, or any part of that.

And, if that's the kind of exclusion you have, then there's really no use "fighting it".

I am I am wrong. Please let us know what your HR department tells you.

That's just my two cents...