Then why haven't you talked to them? Insurance companies act on the principle that if you aren't whining, yelling or complaining to them then everything must be alright. If you want them to give an answer you need to find out who to gripe to.
Also, there are plenty of medications dermatological or otherwise that insurance views as not medically necessary. Sure, having clearer skin is nice but acne problems aren't going to cause any real effects to your overall physical health. You may just need to pay for it out of pocket if its the only thing that will work. Be aware though, accutane has been linked to depression. In all seriousness, if you are having issues with depression already you'll want to discuss that with your doctor before you start on a medication that may make it worse.
For the whole hair issue, have you considered shaving it all off? Take a razor to your scalp, spend an afternoon reading up on some nasty cancer, then go see if you can convince a few girls that you want to experience sex before you die. You never know, it might work out for you.
