United Health Care POS-not having 5 yrs of being MO

My sister is in the early stages of being approved for surgery, she lives in sothern Indiana and her surgeon is in Kentucky. Well, she just received word (verbal) from her insurer that she has been denied due to the fact that she does not have 5 years of being MO, she just has 2 years of being MO and 5+ years of just being overweight. She is waiting for the offical written paperwork of what the exact wording is on the denial. Has anyone with United Health Care POS gotten around this kind of a denial? She is gearing up for an appeal in the near future but she is waiting for her offical written paperwork. Any info that you may have would be appreciated. Thank you.

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