{{{{{Hope}}}}}
I'm so sorry about this mess.
Insurance companies will look for anything to get out of paying.

You probably paid into the insurance plan for 20+ years and never used it. Now you really need them and they have found a way to wiggle out of their responsibility!

I really do care about how much you are suffering with this horrible disease of rsd and tos. I'll be praying for you today, that a good resolution to this mess can be found so you can proceed with your surgery tomorrow with peace of mind.

Love,
Martha