Is it possible for insurance co. to pick and choose co-morbids???

My ins. co. is PHP. They only accept the following for co-morbid conditions: diabetes,hypertention that is not controlled after using Rx, Genetically high cholesterol unable to be controlled by Rx and diet, CHF, and O2 level deficiencies proven by ABG test. Well, if ya have Sleep apnea, they don't care, asthma doesn't count, Gerd don't matter, joint pains are your problem.... Whats up w/ this??

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