Our insurance dilemma

My husband and I both work full time and are currently under his insurance. But our companies both have very similar policies and neither cover wls. I have done a lot of research and it seems as though BCBS of FL has an exclusion to all their policies with private employers that prevents any weight loss surgery to be covered regardless of medical necessity. My HR department was interested in helping me by adding a rider to our policy, but BCBS told them it wasn't an option. I've had a lot of people look into it for me and it doesn't seem to be in the cards. While it pains us to spend the cash when we know it is covered in so many other circumstances and for so many other people, we have accepted that that is what we have to do. We cannot wait around for the slight possibility that are circumstances may change. There is too much at risk.