Insurance question

[Guest guest]

I have an initial consult 11/1 with Dr. Rabkin. I am investigation my

insurance coverage and this is the exclusion for MO.

I am 40, 5'11.5'', and ~320.

I have sever sleep apnea and pitted edima (also minor CHF)

What do you think my chances are

******** Directly from Ins. Coverage *************

exclusions:

Charges for diet or weight reduction except for the medically

necessary treatment of morbid obesity (a body weight that is 100%

over the weight given in standard tables); endogenous obesity (caused

within the body) including but not limited to metabolic factors such

as hyperinsular, hyperinterrenal, hypogonad, hypothyroidism,

hypercholesterolemia and obesity due to hypothalamic lesions; or

exogenous obesity (caused by overeating) if: a diagnosis or morbid

obesity is given and a separate medical condition is present which is

aggravated by obesity (e.g. high blood pressure, chronic back

conditions, varicose veins, etc.) For surgical treatment of morbid

obesity, you or your covered family member must be:

a) twice your ideal weight;

demonstrate inability to control weight through diet over a

minimum of a five-year period documented by a physician's medical

records, and must suffer from a documented separate condition which

is aggravated by obesity (e.g. severe diabetes mellitus,

hypertension, alveolar hyperventilation, a chronic back condition,

varicose veins, etc.). This must be documented by objective evidence

provided by the treating physician; and

c) you or your family member must be psychiatrically stable as

documented by a recent psychiatric evaluation.

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I am also looking at other surgeons (i.e. Dr. Jossart, Dr. K, Dr,

Anthone) in the CA area.

Any help would be appreciated.

Steve