I am pretty sure that if it is an exclusion then they will not cover. It has to do with your employer not the insurance company. I started the process 4 years ago with united HC and was turned down I had doctors and test and bmi and sleepstudy, 3 co-morbities. I was still turned down because it was an exclusion. I lost that job a few years later and went to work somewhere else where they had united hc. I called in to uhc and talked to someone and they told me it was not an exclusion. All i had to do is have a bmi over 35 and mine was higher than that. No test no letters no nothing I had my approval letter in 2 1/2 weeks surgery 3 weeks after that. I also in desperation checked individual plans and could not find one that covered wls. Good luck to you I know how you feel I wanted it for 4 years and I was lead to the palce to work that coverd it.
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