49ermommy

I need some advice, I have Blue Cross Blue shield of michigan and went to a consultation for the lapband, the lady verifying the coverage did not think that I would have a problem getting the surgery but once she called they told her there was an exclusion against bariatric surgery from husbands employer. I am looking through my policy as this is new insurance to me and I see nothing under exclusions for bariatric surgery however there is a clause under exclusions that says therapy or hospital admission for weight control, but that doesnt not seem like it would apply to my lapband procedure, and I was planning to have it done as an out patient procedure. What can I do if this is a medical necessity? I have several pre existing conditions due to obesity, is there a way around this? The lady at the WL surgery center suggested my husband talk to his HR dept at work to see if they can change his policy, but what would be the odds that they would do that? Any suggestions on how to fight this would be really appreciated.:smile: