I'm in Alabama and I have uhc. I got the booklet and it say bariatric surgery is not covered. On exclusion list. Is this point blank or do I just need a doctors referral?

If it is on the exclusion list that means they do not cover it. I would also call the insurance company just in case and ask a representative if it is included in your plan. But honestly, if it states that then they do not cover it.

Thanks. My plan hasn't started yet but they told me it was covered. The rep didn't sound too sure I may just need to cancel my plan. It's hard finding someone to cover bariatric in Alabama

I had surgery on 9/30 and started my 6 month supervised diet in march 2015. I had UHC at the time and bariatric surgery was covered. I ended up changing employers and switching to BCBS AL halfway through but UHC did cover it last year. Maybe they changed it this year but I would call them just to be sure. Also check with your employer. It may be an employer exclusion, rather than a provider exclusion.

I looked into having this done several years ago and my insurance was uhc and bariatric surgery was on the exclusion list. I contacted uhc and they said that it was add to the exclusion list by my employer. I was devistated. I'm with bcbs of Michigan now and it is been a very simple process. My surgery is scheduled for March 8th. Good luck to you with your journey!!!

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I have UHC in MO and looked online at my plan about a year ago and it said it was not covered. However, I checked with a surgeon 6 months or so ago and they submitted it and it is covered. I have to do 6 months of a dietitian supervised diet (on month 5 now) then I should be good to go. It's worth looking into. Good luck!

For most national healthcare insurance it is the employer that determines whether it is covered or not.