Dee Drysdale Patton

Hello, Im new here. I have come searching for answers...I have been on the sleeve journey for over a year now. I have been going to my surgeons office 2 times a month for the year and done everything I was asked to do. The whole time, being on hubby's insurance BCBS of VA, every appointment has been covered minus copay, every procedure covered, until the scheduling of surgery. After losing 30 pounds on my own, and ready for this whole life change...The surgeons office submits it, and calls me to let me know, its not covered and that I dont carry the Obesity rider on my policy. UGH FRUSTRATED--so me being the proactive person, contacts insurance to find out how this has all been covered until now. They proceed to tell me its all been preventative care and Im not diagnosed as obese. OH HELLO< all my paperwork from the surgeons and Dr's office states I am, my BMI is 40.5. Which BCBS doesnt require it. So I contact hubby's HR and they are willing to do an exception letter, BCBS says no it has to be for everyone on the policy not just me--MY WHOLE FAMILY isnt fat just me. Who takes out a policy years ago planning to be fat and having surgery? Apparently there is nothing I can do with this policy, not even an add on policy. I could understand if I wasnt able to do all of this for a year and none was covered. Now, I am thinking my only option is to wait another 60 days, and take out another policy with United Healthcare through my employer since they only require a BMI of over 40-scared to lose anymore now. Can anyone help me??