DENIED
Those sound like some pretty weak excuses to turn you down. If your doctor feels you would benefit from surgery then he/she knows more about it than some old ins company! Call the insurance company and NAIL THEM DOWN about their EXACT criteria! Have them read it right out of their book! They don't like to do it but you as a customer have the right to that knowledge. Then take that info and fine-tune your appeal letter so all your co-morbities apply to the criteria. Enlist your doctor's help as needed for terminology and support. Then go for it! Don't give up! It sounds like they stretched for a loophole... you can do it too!!! Good luck!!!