FOR THE LAST 5 YEARS WE HAVE BEEN PAYING $60,000.00 A YEAR IN INSURANCE PREMIUMS, YET WHEN WE NEED TO USE OUR INSURANCE COVERAGE WE ARE ALWAYS HARASSED BY THE COMPANY FIRST DENYING THE CLAIM AND INSISTING ON ADDITIONAL INFO. THEY KNOW THAT WE HAVE BEEN AND CONTINUE TO HAVE HEALTH ISSUES. PRETTY MUCH THE SAME ONES. WHY ON EARTH WOULD WE SUBJECT OURSELVES TO THESE TREATMENTS IF THEY WERE NOT NECESSARY. I RECENTLY HAD A DIAGNOSTIC TEST ORDERED BY MY DOCTOR AND ACTUALLY USED AS A TREATMENT GUIDE BY TWO DOCTORS, YET OUR INSURANCE WOULD NOT PAY THE BILL BECAUSE THEY SAID IT WAS NOT MEDICALLY NECESSARY. NOW WHO ARE THEY TO OUT GUESS THE DOCTORS? REALLY MAKES ME MAD. THANKS FOR THE CHANCE TO SOUND OFF. DIANNA ROSS