Lily, hope you are still checking in here. I know you have alot going on. I can only speak to the ins. issues here. You need to fight like hell with them. If Calif. has a State Ins. Commission, get on the phone with them and file a complaint. I had to do it [in Ark] and I won, and our INs. Company finally paid for everything I fought for.It wasn't a picnic-took 8 months and a hugh amount of energy, but our Docs were on our side and were willing to write letters, etc. Hang in there. Amy