I was denied by Cigna and I hired Walter Lindstrom. They took my denials right through to the final external appeal which I am happy to say was finally approved. Kelly Lindstrom was wonderful to deal with and always available and Walter handled the appeals brilliantly. They know what they are doing as they have quite a bit of experience doing it. Cigna continued to deny me right through to the external review so don't get discouraged. Kelly is also there to bolster you up when the denials get to you. Happily I had my sleeve gastrectomy in December and I have lost 65 lbs. to date and am still going strong. Although the Linsdstoms can't guarantee an outcome they take all the guesswork out of it and give you the best representation possible. I don't regret a bit of that money spent! Go for it and good luck!