I wish I could help other than prayers and to tell you that I understand. I have had 3 melanoma surgeries in the last 5 years. HOW can those people sleep at night knowing they have declined you? I am having same problems with my insurance (now with thyroid cancer)---and I'm appealing. Have you gone through the appeal process? The surgeon should help you with that. My doctor wrote a "letter of necessity" and faxed it to the insurance company. Where is your melanoma site? The BEST of luck to you. Let us know. Tara