United -Primary Federated - Secondary
United HC, provided thru my employer, denied surgery as it is excluded in the policy. Appeal was an excercise in futility. I am now on my husband's Federated/Sagamore HC and it DOES cover WLS. I am waiting for Federated pre-certification. Does anyone know if Federated can deny coverage since United my primary HC insurance provider did deny? I am just concerned. I have yet to get a response from Federated.
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