Can you appeal an exclusion?

The consult you probably will have to pay upfront, the insurance specialist may be able or willing to find out if you have a fully insured or self insured policy then she will be able to shed more light on that subject at the consult

Ok, thanks Vicki!

You can try looking at the fine print on your ID card.  If it states something like 'XXXX is the administor blah blah blah OR something like "XXXX does not assume financial risk" that also means it is your employer who is footing the bill for all services, so it is a self-funded account.