I don't want to waste my time fighting the wrong people...

Just got my HMO denial letter today, which I expected (policy exclusion). They sent along the "Appeals Process" paperwork. My question is, do I begin working on that immediately, following their steps OR should I have my husband go to his Human Resources Department (huge company he works for) to see if they are self-insured and maybe they can step in??? I don't want to begin a lengthy appeals process with the insurance company if, ultimately, the choice isn't theirs anyway. Suggestions???

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