Has anyone had problems with their EMPLOYER not ok-ing surgery?

Here's my problem. Once I decided to have the surgery, I called my insurance co. (FMH BENEFITS) and they said it was covered if proven to be a medical necc. I called HR and SHE called the ins. co. and said the same thing. So I had the necessary reports sent in and it was deemed a medical necessity. Well once HR started looking at the policy, all of a sudden it's NOT a covered benefit. I looked in the benefits book that was handed out a little over 90 days ago (got it from a new employee) and it's not in there. I asked HR to fax me the part about it being an exclusion. She faxed it and it's in there, but not in the book. HR said I could write a letter to the Benefits Committee and ask them to reconsider but she just wanted to let me know that "they don't normally change their minds on something that is excluded ~ but feel free to write. I talked to the Surgery Coord. at the surgeons office and he said that since we are a self insured com. they could determine what they would pay for. He said to write the letters and if neccessary, write the Ins. Commissioner (since the exclusion wasn't in the book) I was just wondering if anyone had any similar problems and what they did to solve them. I'm ready to say FORGET IT!!! I don't want to run the risk of losing my job by pushing the issue.... *and they can/will 'find' a way to get rid of you**!

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