Originally Posted by coptergirl

Tell them exactly what is happening. The truth of the matter is this: You are MO (we all are - or have been, so you are in terrific company). You may be young and not have any full blown co-morbidities yet, but you will. The insurance company will have to fork over more money on you then. Then as you have complications they will have to fork over eben more dough. These days that isn't really an argument because of all of the insurance choices out there, but its worth a try. You will die eventualy if you can't get the weight off, and even with Xenical or Merdian you'll only loose 5-10% unless you completely beat the odds. Tell them you are not happy woth their service.
I am in HR and every year, we tale a survey of our employees to see how they feel about the benefits offered. Once a year we look at pricing for our plan and others and we choose. Your dads company should do the same for the simple fact of cost effectiveness and smart business.

Another option is to go private insurance which is a lot more expensive to dad, but you could shop around for companies that do cover the surgery. Also check into the welfare thing - you never know. Try everything you can!!