Thank you for your question.
This certainly is an odd situation. The actual insurance policy
or one of the schedules will definitely show the type of coverage that is offered for this kind of medication. The insurance company has a duty to provide you with the full documentation of your insurance policy upon request.
The first thing you should do is send off a certified letter to the health insurance company demanding that they immediately provide you with the requested documentation.
At the same time, you should file a complaint with the New York State Department of Financial Services at: http://www.dfs.ny.gov/consumer/fileacomplaint.htm
This is the state agency which regulates insurance in NYS.
These two actions should get the ball rolling.
You need to also check in the documentation that you do have how to contest a denial of coverage. There should be an appeal procedure that your health insurer provides which you should initiate to contest their determination that there is a cap on the coverage.
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