My insurance will not cover the cost of WLS, so therefore I had to take out a hardship withdrawal from my employer's healthplan. The loan is pending, based upon the surgery being medically necessary followed with a statement from the doctor. My doctor will willing to do the surgery using the selfpay option. I have a BMI of 40 but no commodities. I am soo afraid that I will be denied,this is my last hope. Not sure how to get around this hurdle. I am sure that bariatric WLS will be looked at as cosmetic. Any suggestions, before I contact my MD? Has anyone else been faced with this obstacle?

While you may not have any co-morbidities are the moment, your BMI being up there could still cause you to develop them later on. If the employer and health plan were smart (which I've found that not a whole lot are), they'd want to approve those so you can get healthy and have to use less of their services, meaning they don't have to pay as much for your health plan. As long as your doctor has your back and explains why this surgery is medically necessary, hopefully things will pull through! Most don't look at WLS as cosmetic, they are VERY different. But each company is drastically different.