I have United Healthcare and my particular policy excludes any surgery for obesity. I was hoping to have the bypass done, but since it is excluded…. I would have to pay for it out of pocket, and I cant afford that. I barely make enough to make my bills, none the less add a surgery. Can anyone tell me if they make exceptions to exclusions? Or is there a way to get around them? I really need this surgery if I want to be alive in another 10-15 years. I am submitting a letter of medical necessity from my doctor and a bariatric surgeon. I am can show a family history of comorbidities. I dont have any comobidites yet, but I will soon. My a1c is on the high end of normal. And my cholesterol is normal… but my ldl is on the high end of normal. I am getting a sleep study done to prove I have sleep apnea… but I dont know what else I can do. Any suggestions?
And in advance to those that will say go on a diet… I have been on dr supervised diets with no sucess.