Well stated Brian! Seems to be the MO of most Ins. Co's. I personally think if you go one up to BC and/or if you have an HMO, the HMO/Department of Managed Health Care for your state, along with the Ins Commission for your state, utilizing those agencies and going to the top, should your ins carrier not wish to comply with your needs for survival through this would be the best route.

Just this past week or so I found out that active advocating for yourself and your needs is sometimes very necessary. I have recently had to advocate for myself to get my HMO ins. plan to allow me to go close to home for further specialty work up's, eval and treatment. I guarantee you that if you were living in California and were struggling with an HMO you could get results, and within 24 -48 hours. Just start pressing those numbers on your phone...

It warms my heart to know Mama was right when she said "if you want to really get something done, bypass the in-between and go to the top!" It worked for me.