KEKE77

Thank you Diana,
If I was not an employee of UHC I would be covered, they do not cover as an employee currently, they stated last year that they were in the works with adding it, they said it may be added this year but its just a waiting game. And yes changing jobs would actually help because a lot of companies in CT offer it - I am a coder so I have lots of options- it is just the fact my company is based in TN I am a remote coder so TN isn't currently a mandated state for offering bariatric surgery, Neither is CT but majority of the companies that I have considered do offer it. I just have to weigh out the fact of being remote for 5 years to going back into an office setting.

Step one - review your policy - look at the documents - either they were given to you in paper or are avaialble on line - that will outline what is covered and what is not. Since you did not get them to commit in writing in the first instance, you can't rely on that. If the policy website/paper copy says covered demand a denial of coverage letter so you can appeal. Talk to the insurance coordinator at your surgeon's office - they have done this more than once before and maybe she/he can help you. If you are coverage is provided as an employee, you may be covered by a Federal Statute called ERISA which gives you specific rights regarding appeals of denials and the requirement that they put the denial in writing. Secondary insurance will likely not cover it at this point. Changing jobs will only help if you get a job with a company whose insurer covers bariatrics and many don't. Call your human resources department and ask them for copies of the paperwork for your plan.