dead end ?

I have posted before that I live in FL bit have BCBS Horzion of NJ through my husband's job. I reccently got the ball rolling with a local surgeon. Was getting everything in place, when my husband asked the Hr depot at his job about possible exculsion they have have on the operation. Sure enough they have one. It has been in place right at a year. They advised him it was a dead end. is this true? Am I stuck?

I would find out exactly what the wording is regarding the surgery. Then I would appeal it. I have an appeal letter if you would like emailed to you. My appeal was with Horizon, NJ Plus.