Has anyone had Insurance Frustration - any suggestions?

I have UHC EPO. I am mass index 41. I have arthritis, hypertension, spurs and other related woes. My Doctor, Dr. Wongsa, office sent in my pre determine and was called w/i 4 days and told my plan had an "exclusion" clause preventing this completely. I called UHC and was told could be approved if medically needed. My DR office called back with the info and was informed the person I spoke with doesn't know everthing. Then I went to my HR rep she checked into it and it is covered if medically necessary. Called the DR back and they had received a denial letter. They are faxing my HR rep and she is checking into it. I don't know why things have to be so difficult. Makes you wonder.........

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