My insurance did not cover it either... It is my understanding that every insurance company covers it, it is just a matter of whether or not your employer chose to have it as part of your coverage. My CEO told me that we were not even given the option of choosing it as part of our coverage, I am sure it has to do w/the size of our group and coverage limits. I am almost 3 yrs out, and I was fortunate that I had enough money in my 401K that I was able to take a hardship withdrawal for medical purposes in order to pay for my surgery. I don't regret taking the money for a minute, it was an investment in my life. I can rebuild my 401K but my life is not replaceable. Good luck!!