Desperately need help with Appeal Letter

I have BCBS IL and was just denied for the 2nd time. I originally inquired about this surgery in January and was given the requirements to be approved. I fulfilled all of their requirements and then after my paperwork was submitted, they denied me because my husbands employer has a separate policy regarding WLS which in most ways is less stringent, but has one stipulation: I need to have 2 co morbid conditions (hypertension, immobility due to joint pain, type 2 diabetes, etc) and I don't have them. If I had known that these were required for approval, I never would have began this process. So for almost 6 months I have been given the wrong information and even the insurance coordinator at the surgeons office was told the wrong criteria. I don't know anything about appeal letters and I can't exactly afford an obesity law lawyer. Can anyone help me? Please?

www.obesitylaw.com  has some help hints on appeals and other things to help you with the insurance appeals. Good Luck