Insurance question

Has anyone had to deal with UHC Choice Plus plan as a Tulane employee, If so is there any wording in the policy to get around a denial. I was denied due to the language of the ploicy and because it is a "fully insured plan" Just wondering if anyone had dealings with this particular issue, as Tulane and UHC can't decide who put the written exclusion in the plan. Thanks for any help anyone may be able to provide. Sabrena in Mississippi

Sabrena- I have UHC SelectPlus POS, I did not have any problems with them...they approved me right away. I guess it depends upon the employer and the policy. I am retired from SBC Communications (telecommunications company.) Wish I could help you. Hettie