This topic is about the challenges someone is facing with their health insurance in the U.S. regarding an ostomy reversal surgery. After successfully losing weight as required by their surgeon, they are ready for the procedure. However, their insurance company is refusing to cover the surgery, labeling it as a treatment for a "pre-existing condition." They are seeking advice from others who might have faced similar issues and are looking for ways to overcome this hurdle.

Here are some helpful insights and advice:

1. In the U.S., employer group health plans generally cannot exclude coverage for pre-existing conditions.
- It's important to read your insurance contract yourself rather than relying solely on what the insurer tells you.
- Reach out to your HR or benefits department for assistance in challenging any denial of coverage.
- Some insurance plans may have a waiting period before they cover a pre-existing condition, so check if this applies to your plan.

2. If your employer's plan truly does not cover the reversal, consider purchasing an individual policy through the Affordable Care Act (ACA) marketplace, as these plans are required to cover pre-existing conditions.
- Be aware of enrollment dates and any qualifying life events that might allow you to sign up outside of the usual open enrollment period.