My primary insurance resisted for a LONG time. Honey, do what I did. Take that bull by the balls. Call the Insurance Company and ask for either the Medical Director or their Nurse. These are the actual people who rubber stamp the approval. Don't hang up til you get them. If you hit a brick wall, tell them you expect a call back by 5 pm today or you will be contacting both your Congressman and the local news media outlet.
When you get the MD or their Nurse on the phone, tell them what you need done. Tell them, "i believe i have been patient enough waiting for your company to do your job on my surgical request. my secondary approved it long ago. In a perfect world, I would be able to schedule surgery as soon as I hang up this phone. But I know this isn't a perfect world. So, YOU tell ME when the authorization will be approved. I NEED this surgery no later than May XX." Pick the date that works best for you.
Don't say 'approved or denied.'. In your brain, denial IS NOT an option. Lay it out. Remind them of what THEIR rules are for approval. Go over each rule step-by-step confirming you have completed each task. Then, hold their feet to the fire on getting the approval in the next 24 hours.
It's quite simple. Its THEIR game. And, if YOU have played it by THEIR RULES, you WILL WIN because they HAVE to play by their rules, too.
Everyone where I work told me our insurance doesn't cover it. I got approval (cuz I can be a bit of a b***h... With documentation to support my bitchiness.) and had my surgery last Wednesday.
Don't be discouraged if you find you have to do Nutritional Counseling for 6 months or a year. Even if your husband is not there to help with the kids, YOU can line up the support you need. I am the caregiver to my severely disabled sister who is at home with me on life-support. If I can line up people to take care of her for a couple of weeks, ANYONE can. You just have to find the burning desire in your heart to demand doing something FOR YOU. In the long run, it's for them too. And, I believe your husband can still play a big role in the support you need even from halfway around the world. ((HUGS)) to you. Please stay in touch. I am here to help you find the words you need.