United Healthcare turned down my wife’s annual exam?

Shouldn’t health insurance cover a woman’s annual exam? This is nuts. Here’s what I wrote them:

I would like to request a review of claim ____ for my wife. The claim was denied with the reason given as, “your annual maximum benefit for preventative services and associated expenses has been paid,” however that was the first and only preventative services my wife received in 2004. After reviewing our insurance coverage in 2004 more carefully it appears to me that the claim should have been approved.

If it is your desire that my wife contract a serious preventative feminine illness, that’s fine… but it will cost your insurance company a lot more in the long run!