Dear Heidi -

If you are still having trouble with the coverage, I would track down the "benefits manager" in your hospital, or it's holding company immidately and read him or her the Riot Act. Hint: a good place to start is by asking where in the literature that's given to plan members does this particular exclusion actually appear. It can't hurt. And time really is of the essence in the effectiveness of these things.

Good luck.

Mike