Aetna's "new" policy...

I have Aetna HMO small group in Maine and have just been given a surgery date of May 15th. I have been in this process since August of 2005. My plan covered the surgery supposedly until my company renewed our policy plan in November. Now they are telling me that unless my company purchased a "rider" for WLS then they won't cover it. My company did not purchase the rider and are telling me they were never told about this policy change. I looked up my plan details and surgical treatment for obesity is under the exclusions BUT it says it's excluded UNLESS pre-authorized by HMO. Now, for the real question...what does that mean, and can I fight it and win?? **(SIDE NOTE)I have been documenting every conversation I've had with them and I was told on Nov. 2nd that it was covered under the new plan, and then on Jan 24th they said it wasn't and gave me the rider line.

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