[Midee1]

How does that work? So the doctors were recommending surgery, but the insurance company said it wasn't covered? If I understood right, then, people trained in business were telling people trained in medicine what needed to happen when it came to surgery or no surgery?

I have had first hand dealing with comp and it worked the same way for me too. The insurance company basically tells you what they will cover whether it goes against the doctors advice or not.