Need insurance advise please!!!

Hi everyone, It has been awhile since I have visited this site. I was wanting some advise about my insurance. In my insurance handbook it has written exclusions for wls or any thing related to wl. On the other hand it states that it will pay for any medically necessary medical treatment. My insurance company it called FMH but all claims are sent to PPO Oklahoma. PPO oklahoma will pay for the surgery they are not the insurance policy writers. (I think thats what there called) I have contacted FMH and explained to them what the book says and they sa to send in my information and they would review the claim. Just wanting to know if anybody else has faced this issue and if so did u get anywhere? Any help or advise would be appreciated. Thanks