Would it help to talk to legal aid or an attorney who could help you wade thru all the insurance information? Maybe write a letter on your behalf appealing insurance regs? Or write a letter indicating that a delay in medical treatment could cost more and cause more problems in the future?
Also, you indicated it's too late to change your insurance info for 2007.... Is that your office's deadline or the insurance company. I know we once got grief from our benefits person until DH asked for a copy of the section of our policy, which indicated DS wasn't covered or we couldn't change coverage. When he pushed, turned out there wasn't a limitation on our benefits. The rep, just didn't want to make any changes, and wanted all the info turned in by the beginning of December.
Also, you indicated it's too late to change your insurance info for 2007.... Is that your office's deadline or the insurance company. I know we once got grief from our benefits person until DH asked for a copy of the section of our policy, which indicated DS wasn't covered or we couldn't change coverage. When he pushed, turned out there wasn't a limitation on our benefits. The rep, just didn't want to make any changes, and wanted all the info turned in by the beginning of December.