I had UHC last year and it was excluded by employer. I jumped through a bunch of hoops, but you can not appeal it because it isn't covered. Think about car insurance, if you don't have rental coverage there is nothing you can do to get your rental car paid if you need a repair.
I was fortunate enough to realize we had another policy available that did cover it. Had to wait til jan 1 for that to change over but did pre op in meantime.
I do not think you are a brat... It simply isn't covered, why go through it if you are going to pay yourself anyhow? The only option is to go to your HR and ask them to consider changing the policy or agreeing to cover yours. You must have facts on why you will be a better employee. Like less sick time etc...
Good luck, but I say, after being through it, don't bother submitting! Good Luck!