a lawyer i have known for years and knows this area basically says we can go nuts with frustration challenging insurance companies.
in recent years he sugests EACH AND EVERY TIME YOU EVEN THINK THEY HAVE MADE A MISTAKE
send a note to your State insurance commissioner along with copies of the documents.
At that point theSTATE is your agent and surrogate and lots of pressure is off you...if and when you have to sue them you have an ally...if you never sue them they will get the message that you treat evry denial, everey mistake, every lie as seriously as they treat their decisions.
change it from patient vs insurer or provider, to the state fighting for you
mbshine