Has anyone appealed a federal ins denial through OPM?

My HMO wants me to have one more co-morbidity. I have lots of health problems, but not the one they want me to have. If you have appealed to OPM. Please e-mail me with your letter and their response. This is my last chance. The only recourse after OPM is the court system. The big boo boo is that I could have changed insurance companies and been approved for this surgery today. The government requires their insurance companies to cover certain procedures, but they let the ins. companies (my hmo) decide the medical necesity. Catch 22. If you can help me thank you! Maurine

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