CIGNA DENIED ME!!!!

I am absolutelt frustrated and depressed and feeling hopeless. I found out today my insurance company, Cigna HMO, denied me. I went with an in-network surgeon, and I had five years of diets (under physician supervision), I had a great letter from my PCP saying I had osteoarthritis and other co-morbidities, I had a BMI of 42.2, I did everything by the book, my certificate of coverage only requires "medical necessity", I have REALLY, REALLY tried every diet in the book and I feel like a complete failure! Why would I not get approved?!? I called the insurance commisioners office and they referred me to the federal dept of labor employee benefits dept. I talked to a man there who acted as if he could definately help me fight this. He told me to have the surgeons office fax him my file, but the secretary at the drs office said she would prefer waiting til we found out why they denied me and then going from there.The problem is I am on a time line here, because of School (I attend a University)and also my husband may be getting laid off, which would mean changing insurances AGAIN... I am disgusted. I just wanted to vent! and any advice would be greatly appreciated.

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