Hi Kerri76
I was also denied and plan on appealing. I found this letter that one of the members posted. I plan on using it myself. Hope it helps. good luck!
Dear (insurance Provider contact),
I am appealing your decision for denying my medically needed weight-loss surgery. My ht and wt are __ and __ and my BMI is __. As statistics show and as medical doctors, you must be aware that diet and exercise help, but as a long term resolution to permanent wt-loss only 5% of people succeed. I am well aware of the risks with this surgery, but I believe the risks of being morbidly obesity out weigh the risks of surgery.
I am _ years old and have been over-wt since I was _ years old. I have been on diets my whole life, having some success, but would always gain the wt back I lost, plus more. I will list the diets I have been on, but never kept any documentation because I could not have known at the time the insurance company would require it. Nor did I know that until this fairly new surgery even became an option for me, I would have to document wt loss before getting the surgery.
(list ALL diets, wt- loss products, programs used. If possible, use documentation.)
I have many co-morbid diseases, such as ___. (list meds also). You can also list family history related to obesity here.)
(discuss everything about how morbid obesity affects your life)
Sincerely, (your name)
__________________