My friend worked for #nited as an analyst.He confided that all birth-defect related claims initially get rejected the first, second and even third times. They expect you to give up fighting it. Bad for them, I had every name, REF#, GAP Request and approval letters to back my fight. It eventuality went all the way up to corp and they relented. Why? Because in the Certificate Of Insurance they had Cleft Palate conditions buried in there accidental clauses.