Sorry to hear that you don't have coverage. The question to ask is the benefit department "Is WLS specifically excluded?" We took the highest coverage possible but the exclusion comes from the HR at the company. What is essentially means is no matter what, your company has asked for and received and exclusion for this type of coverage regardless of medical need in order to keep premiums lower. I just went through the digging and that is my bottom line. Therefore I am self pay. Most of the Docs. have a medical finance company that will work with you. I am very blessed that I can come up with the money. Having and empty nest and no debt outside of a mortgage helps. I am scheduled for surgery on Feb. 20th. I believe it will be money well spent. My dr. has an all inclusive price so it's good to know there will no surprises. having my surgery done in Dallas.
Good luck to you. Hope you find a way to get 'er done!