Life Threatening Conditions? Insurance denied my surgery

I recd great responses to help me with my appeal thanks to all. I have diabetes, hypertension, arthritis and a sleep study scheduled 3-13-02, possibly I have sleep apnea. With a BMI of 68.1 I would think that was life threatening enough. Anyone have "Life threatening clause in their policy? If so, what can I do? Thanks for all responses. Kristee

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