In addition to what Greg mentioned, you have the right to appeal your insurance carriers "denial of benefits." Your wife was under the care, custody, and control of her primary physician, and needed to go where he/she is admitted to practice.
I do believe that your wife's doctor can, and should, go to bat for her in this matter, and maybe this would help in a favorable decision to come from the insurance carrier.
You may also want to look into your State laws/regulations regarding insurance carriers too. Bad faith law suits are something the insurance carriers try to avoid (especially when it comes to television and newspaper exposure).
Last resort, and only a last resort, would be to pass this by a good law firm that is versed in this area of neglect by insurance carriers.
Good luck brother...
