i would call either of them back and tell them that by law, they have to provide you with a summary of your benefits. the insurance commission has what they call the patient's bill of rights that state you have the right to know what your policy benefits are. i would try HR at your husband's job first. just let them know in a polite way that you contacted your state insurance commission's office, and were told that they have to provide you with a copy of your benefits. if they don't comply, you will report them to the state. i know that sounds harsh and i know you don't want to tick them off, but you have to do what you have to do to get what you need to get your approval. obviously, they are not very helpful.
that is the first thing my surgeon requires, so this is very important that you have this information.
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