You will all understand! The laws in GA protect the insurance companies and not us patients! After 6 mos of deliberating we finally decided my health was more important than money and took a $12K home equity loan and a $6k medical loan to pay. My monthly payment will be $388 for 4 years and then $218 for the next 3 years. I think it will be worth it. I did lots of research on the laws in GA and basically-unless you work for a large company that pays for it's own insurance-you are out of luck. If anyone out there thinks I'm wrong-please tell everyone!

If your plan has bariatric surgery as an exemption-there is no appeal process. THere is no law to protect you no matter how medically necessary the surgery might be.

Hey there-I live in Georgia and work for a large company that pays for its insurance...do you know if there is any appeal process I could work on? I'm self-pay too and extremely frustrated about it, but pushing forward and focusing on my health.

My understanding is that it depends on the language of the contract. You need to find out what the appeal process is. There is a group in CA that might be able to help you, called Obesity Law - Obesity Law and Advocacy Center.

If it is a standard GA contract you probably don't have any options but if there is something different because they have their own policy you might.