Insurance help

[Guest guest]

Hi Everyone,

Well, I just received a letter from United Healthcare turning down the

request for surgery and I'm not sure what to do. It has this paragraph in it

and I'm hoping some of you can tell me if it means that I just need to give

up on the insurance and start saving to self pay or what. Here is what it

says:

United healthcare of North Carolina received a letter from Dr.

Rutledge requesting authorization of a Laparoscpic Gastric Bypass due to

morbid obesity. As documented in the General Exclusion from your group

medical plan, obesity treatment is specifically excluded from coverage.

Therefore, United healthcare of NC is unable to authorize the services.

Please note, as approved by the NC Department of Insurance, that the

grievance process does not apply to grievances based solely on the fact that

United healthcare of NC does not provide benefits for the health care service

in question. Unitedhealthcare of NC is unable to consider an appeal request

for these services.

It's signed by someone that says Appeal & Grievance Coordinator

If anyone can advise me on this I would really appreciate it. Thanks a lot.