I NEED TO SEND MY HUSBAND'S EMPLOYER EXPLAINING WHY SHOULD THEY COVER WLS!!!

I AM LOOKING FOR SAMPLE LETTERS TO SEND TO A SELF-FUNDED EMPLOYER. HE REP AT THE COMPANY EXPLAINED THAT IT IS A WRITTEN EXCLUSION, HOWEVER, IF YOU PROVIDE ENOUGH PROOF THE EMPLOYER WOULD COVER IF IT IS MEDICALLY NECESSARY. MY ONLY PROBLEM IS THAT I DO NOT HAVE A PCP. BECAUSE I CAN NOT AFFORD TO GO TO A DR ON A REGULAR BASIS. HOWEVER, I DO HAVE HIGH BLOOD PRESSURE AND TAKE MEDS FOR THAT. I KNOW I HAVE SOME SORT OF SLEEP DISORDER BUT HAVE NEVER BEEN TESTED. NOT TO MENTION, I AM VERY DEPRESSED. I AM 5 FEET 5 INCHES AND WEIGH 310 POUNDS. PLEASE HELP ME. THANKS

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