Unbelievable. I don't know the laws in your state, but in Wisconsin, if you can get your doctor to say that it is medically necessary, then the insurance company has to cover it.
Talk with your benefits administrator, and verify that it should be covered by the policy. Then raise hell over this! If you make a stinkin' nuisance of yourself, it will be easier to just pay the claim than to continue to make an issue of it.
I hate insurance companies. "Like a good neighbor" my @@@. They are in business to collect premiums, not to pay out claims.
I think this is the problem. The shots aren't covered by my "formulary" of prescription drugs we are allowed to get. So they are saying it is covered under major medical. Or some such thing.
SD