I really don't have any nightmare problems with my insurance denying me anything as of yet. I had doctors who knew how to get around alot of the issues that get denied & when they knew it would probably happen they knew what to write. I honestly have never had a thing denied. Well ok will take it back. Blue Shield of CA denied paying for my electric wheel chair. But by the time the stupid company actually put into it for payment it was almost 2 yrs after I had already had the chair. They denied due to not having been billed within the 12 months they were allowed. I have not been billed personally for it nor for a scooter that they never billed for. I got the scooter & chair from the same company about a year apart. So no nightmare for me.

Now my daughter works for Blue Shield, as I did at one time also, and she has nightmare stories galore, but can't talk about them to anyone.

You take care & good luck with your paper.

And Ada, YOU GO GIRL!!

DebbyV