How do I find out what 'medical necessity' means to my particular insurance..

I have tried to call on numerous occations to my particular Insurance Company, ( CMS AHC). I have asked them what is their definition of a 'medical necessity'. I know that each insurance company is different, and their requirements are different. Do I have to be on my death bed?? Are a few co-morbidities enough? Which ones do they accept?? These are all questions that I know you all can't answer. But how can I get my insurance company to answer them? Does anyone know of a website I could probably go to? This is all very frustrating, as I am sure you all can understand, (personally). Each time I speak with them, all they say is that it has to be medically necessary. That's it.. no other information. They also made me cancel my appointment with my regular doctor, (for a referral), and told me to just go straight to the surgeon. Does that sound right to you? Two different people from the insurance company told me that. Ahh Insurance companies, don't you love 'em?? :)

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