Except that if you buy insurance in advance to protect against things you know you won't be able to pay and then they refuse payment on that treatment they are actually refusing you treatment. You made the decision to have these procedures available to you if you needed them even though you couldn't afford the actual procedure, and then had that taken away by a refusal to pay.

Quote Originally Posted by DuncanONeil View Post
Insurers do not decide treatment! The merely agree to pay or not pay. The decision is yours not theirs!