In the beginning, when I started out investigating wls, I was told by "THEM" (my reference to my insurance company) that wls is specifically excluded. However, by digging deeper, I found that the exclusion does not apply IF I have a BMI of over 40 with no co-morbidities, and IF my BMI is under 30 but over 25 with co-morbities. There are many "conditions" "THEM" love to put on wls. What's frustrating is "THEM" won't come right out and tell you these things, you have to dig and find out yourself. Be persistant!
You need to ask SPECIFIC questions. If you ask "do you cover wls?", then of course they will say no. If you ask "THEM" "Do you cover gastric bypass / LapBand." You may get a different answer. Better yet, ask "THEM" what their requirements are for wls.
Also, be absolutely sure of the requirements by "THEM". The one thing that trips up the majority of us is a "6 month medically supervised diet." This is required by virtually all instuance companies. I'm still trying to figure out why they want this other than as a stalling tactic hoping you will give up. Be aware they may not accept Jenny Craig, Weight Watchers, or other weight loss organizations.
Never take "NO" for an answer.
I wish you the best of luck - and Never Quit!
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Baron Patrick
It Ain't Over Till I Say It's Over-And I Won! 
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Top / Pre / Current / My Goal
280 / 263 / 190 / 180
LAP RNY 5/29/07
TT Gym Rat Club Member #19
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