Has anyone had any luck?

I have United Health Care PPO adn my Doc is an out of network provider that my insurance usually covers 100% since there are no other doctor's that perform the surgery in Utah. But today I was told they have changed their policy and will only cover it at the 80% if I am approved. That is typical for me. My last chance is that my inurance company may consider a letter if I send it in requesting they cover my surgery since there are no other surgeons. Any suggestions?

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