I have CIGNA and have been told that that their is no "rider" for WLS on my plan. I was also told that it is not listed as an "exclusion". Does anyone know exactly what this means? Is it not covered, period - end of story?? Thanks for any insight you may have!

I'm not an authority on ins. But I believe it means your employer can add WLS to your policy by paying a fee. You should call cigna I'm sure they can answer your questions. Good luck.

Yeah same comment. Call Cigna and see what they mean. It might be that your employer did not select that option. I have Cigna through my work and they covered my surgery.

An insurance rider can either add a benefit or exclude a benefit. CIGNA cover medically necessary WLS. I think based on what you wrote, CIGNA covers medically necessary WLS and there is no rider to exclude it.

Clear as mud, I know.

You're surgeon's benefits person can get a handle on it if it's frustrating/bothering/boring you ) lol.