KPS was the only one of the 7 companies that told me flat out that they will deny it, regaurdless of the medical nesecity.
I understand now (thanks to all of you) that none of them have a choice to pay for it in the long run, but I think I will avoid the hassle all together. Plus Aetnea has the lowes out of pocket co-pay for inpatient hospital stays.
Now my biggest decision will be WHERE to have the surgery. Its sad that I work for a Hospital that has a highly experienced Surgoen with over 40+ ADR's under his belt, and can't have him do the surgery. Dr. Devine at Madigan Army Medical Center. and since I'm not in the military, its not an option.
I'm just not looking forward to a flight post surgery, but it seems that in order to find an experienced Dr, I will have to travel.