I'm medically quarantined by my doctor until Decem...

I'm medically quarantined by my doctor until December. I have documentation to prove this. I've had 3 open heart surgeries and due to my conditions cannot be exposed to covid. After 18 weeks of waiting I get denied without even a call from a claims investigator to get the documentation from my doctor in order for the eligibility to go through. Now I have to appeal and go through court for another 8-10 weeks. How is this even allowed?