Anyone out there had to do battle with the insurance co's whose got some advice? I have to get a mastectomy. I want to explore reconstruction and I'm getting a hassle from my HMO about going out of network for my plastic surgeon. A lot of doctors at my hospital have dropped off the plan. The only doctor they've offered me is not board certified. I'm just going into the appeal process. I know by law they have to cover this (I'm in NYS). I'm just wondering does anyone out there have any pearls of wisdom of how to handle the appeal. Oh, by the way, the insurance industry SUCKS!