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Is there anyway to get around exlcusions in your health insurance?

I have United Healthcare and my particular policy excludes any surgery for obesity. I was hoping to have the bypass done, but since it is excluded.... I would have to pay for it out of pocket, and I cant afford that. I barely make enough to make my bills, none the less add a surgery. Can anyone tell me if they make exceptions to exclusions? Or is there a way to get around them? I really need this surgery if I want to be alive in another 10-15 years. I am submitting a letter of medical necessity from my doctor and a bariatric surgeon. I am can show a family history of comorbidities. I dont have any comobidites yet, but I will soon. My a1c is on the high end of normal. And my cholesterol is normal... but my ldl is on the high end of normal. I am getting a sleep study done to prove I have sleep apnea... but I dont know what else I can do. Any suggestions? And in advance to those that will say go on a diet... I have been on dr supervised diets with no sucess.

Public Comments

1. this is personal advice, not medical or legal advice many HMO's and other health plans do exclude gastric bypass surgery. however, this is not legal in some states. i realize it may be very difficult for someone in your situation to hire an attorney, but you might find it worth your time. if your state does allow such exclusion, there might already be a lawsuit in process to force them to allow it. a good attorney familiar with health care would know the present situation in your state. again, i realize this might not help if you can't afford an attorney, and i wish i could offer more information, but this is the best that i, personally, could tell you