Please post them here...I'm trying to throw something together but am having a brain freeze! Any help would be greatly appreciated!!! Thanks!!

Just to let you in on what I have learned about this whole process. I have Aetna ppo in florida and some of the plans through them covers weight loss surgery and some do not. The decision on the coverage depends on the employer that provides your insurance whether they want to cover it, exclude it, or pick up a rider for it. My hubby works for Wal-Mart Distribution Center and can you believe they will not cover it whatsoever? A company that big and scared to spend a little money to help the ones that build this company. I am so upset!! I would advise you to maybe ask you insurance company if any of there policies cover the surgery or was it the employers decision not to cover it? If it is the employer then write them and your state insurance commissioner. I am trying to get everything on paper and get my denial on paper so I can appeal and start my fight with wal-mart, and tell them I will be writing the insurance commissioner of the state of florida and hopefully that will scare them into picking up a rider for me. If not at least I know I have tried and hopefully I won't die from obesity before I can slowly save the money to have it done in Mexico. Good luck!!!

Kimmie, check the Insurance section for sample letters. Look in the thread titled "Just Starting to Explore Options..."

The text of your letter depends very much on the specific reasons you're appealing. Or are you just writing something for your first request? What's the subject of your letter?