Nice to meet you and welcome to the A/P Forum!
As far as your insurance company goes (and let me guess that you live in America), there is not much to do except appeal according to their rules and regs. If it is something really drastic, you can always file a complaint with the company. It is really crazy that you have to go through this and all I can say is that I pray President Elect Obama will have the time to make good on his promise to us. . . considering the mess he has to work with.
Good luck to you! Somebody else will be on here with better advice I'm sure :)
Much Love, Hugs, Peace and Comfort!!!
"Don't sweat the petty things and don't pet the sweaty things :)"
Not a medical professional. Seek your physician's advice
before making changes to your meds or lifestyle :)