Denied coverage by United Healthcare, now what?

I spoke with the insurance company today.....the wording in my policy is: 1. Weight loss program for medical reasons are excluded. 2. Surgical and non-surgical treatment of obesity, including morbid obesity. It was my understanding that if it was life-threatening and/or medically necessary it would be covered....the wording in the policy is vague...my other insurance specifically says "surgical treatment for obesity or morbid obesity, is not covered even if medically necessary" Has anyone else run into this problem? What did you do? Is it possible to get around it? Should I go through the appeal process? Does anyone have any examples of letters that they could send me? I would appreciated any help anyone could give me.

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