Originally Posted by jillio

I did read your post, and elective type surgeries excluded, many insurance companies require pre-approval for all surgeries. In addition, some require a second opinion by a doctor directly associated with the insurance company. Further, people are having to wait innordinate amounts of time to gain approval to see a specialist due to insurance company regulations. Not to mention limiting freedom of choice for which practitioner you use. They can deny payment for any service at any time. Personally, I do not agree with insurance company representatives without any form of medical training deciding the efficacy of medical treatment. I prefer my treatment decisions to be between myself and a medical professional. If I want someone with a high school diploma making medical decisions for me, I'll ask any stranger on the street corner, thank you.