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Denied due to exclusion

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I am mad and sad, I just sent in my 2nd level appeal to Healthsource.

I called to verify they had it and they do. The person asked me if

this was another " Rutledge " appeal and does he tell all his patients

to appeal. I felt at that point I was doomed no matter what else I

included with Dr. R's info. She said she already knows what his

appeal says because he sends the same for everyone.

I told her I was advised that at this level the appeal is supposed to

be reviewed by a " blind " panel included on the panel is supposed to

be a specialist in the field of surgery that was denied. She told me

becuase it was an exclusion and not a medical necessity a Dr. would

not be looking at it.

I am sorry this is so long, I need help. I asked how can it become

medially necessary if a Dr. never is part of the appeal. Did anybody

win on appeal when their policy listed WLS as an exlcusion. I can't

afford to self pay and even if we could, complications (if any) would

be excluded. That is just a chance my family can't take.

Also, when I mentioned they overturned for other with Healthsource,

she became very annoyed and wanted to know how I found out

confidential information. She wanted to know if Dr. R told me. I

advised her we have a great support group and find out a lot about

each other and I had some kind people share their sucess stories with

me. Thanks for letting me vent. I had my hopes up that this would

work, now they are dashed again. Rozycki, Denver, NC MGB

hopeful since 2/19.

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