No, it's not Buddy Ball Check day. Not yet.
"I lost a nut due to a bicycle accident. Six months later the insurance company has denied an implant. They're saying it's elective surgery because I can live without a testicle. Yeah I can but that's not the point. Reaching down for whatever reason and not feeling two bugs me to no end. It doesn't feel right and it doesn't look right. Any ideas?"
Research says most insurance companies will cover the cost of a testicular implant. That yours won't is bucking the system. I have a good friend and a sister-in-law who both do medical billing. According to them, improper codes can be attributed to many cases of insurance denial. You might want to contact your doctor's office and ask them to check that.
If that doesn't work, try calling the insurance company and asking to speak to a male representative. Appealing to someone who can relate to - and have empathy for - your issue might help.
Beyond that, you can tell your Primary you're suffering from severe depression over this and need a referral to a psychologist. The psychologist can then make the case. Because, truly, a man with one testicle feels something important is missing, just as much as a woman feels in missing a breast.
Your missing nut may not be as obvious as a missing breast - but other people's reaction (even in the locker room) isn't the issue. Heck, they may not even notice.
But feeling self-conscious and covering your crotch is conduct that may actually draw attention to it.
So while others may not know you have only one ball, you do.

And your sense of self, your self-esteem is what counts.
Any Readers out there have any medical or insurance experience to offer suggestions?