It all depends on the reason it was denied. If your employer excludes the coverage...that has nothing to do with the insurance company. The fight would actually be with the employer in that situation and not the insurance company. If you don't meet criteria and it was denied for that reason, and you have exhausted all the appeals process, there is always a chance to fight it with a lawyer and get it overturned. Especially if you were close to meeting but not quite. Since I work for an insurance company, we get threatened all the time to be sued so it doesn't really get our attention. If you have really good documentation, and support from the surgeons and your PCP, there are also some obesity advocacy agencies that will help as well, go for it. But if it's an exclusion, you need to fight with your employer about it. If they overturn their decision or make an exception, the insurance company would approve it. Good luck. Sue
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