I am hopeful for you. If UHC continues to reject your request for surgery despite the fact that you meet the policy requirements for coverage, I recommend filing a complaint with your state's Department of Insurance. All of them have websites and online complaint filing.The DOI is very helpful to consumers (you!), construes policy language in favor of the insured person and requires a response and/or remedy from the insurance company within a fixed time frame. In fact, you don't really need to wait, you could file a complaint now. DOI complaints get insurance companies on their toes. They are state agencies that regulate insurance companies.