Hello His_Child,
It sounds like you should challenge that decision. Many employee groups have medical insurance committees that watch out for the other employees. If so, you should go see them and get a second opinion. In the absence of an insurance committee, your doctor might be able to handle the problem for you.
Regardless, I will pray that this obstacle is resolved. Hang tough and check the options. In the meantime:
KEEP LOOKING UP!!
Love In Christ,
Tom