If it's through work, there could be a couple of things going on. Lots of corporations (at least in the US....) get with these big insurance companies and they create sort of "custom" package plans that may or may not have multiple tiers of coverage with various deductible/co-pay/coverage differences between them.
So if your company has one of these custom-ish packages (if they have enough people employed they just might) then the exclusions may NOT be so much the insurance company as your employer. That means double layers of minds to get on board with your idea...
If it's a "stock" plan through the insurance company, then you would have to attempt dealing with the insurance company directly regarding any future changes.
