Hello Milo16: I'm sorry you are experiencing this difficulty. Dealing with insurance companies can be SO frustrating! And unfortunately there is nothing I could offer with regard to your situation. Most health insurers I have had experience with have some sort of appeals process available to those they insure. If yours does, perhaps the best thing to do here would be to appeal the way your case is being handled. It may also be possible that your state government may have some regulatory power over the insurance company that could be of some help to you. It may be worth checking into anyway. Good luck...