On a bit of a heavier note my friend from the kids school who fought off breast cancer has had a reoccurance. Bless her heart, the insurance would not approve a more aggressive initial treatment because it was not "medically necessary". I wonder if she was told the same thing I was when I was doing my arguing with the insurance company.
An HMO allows for "adequate" care not "the best" care. The fun part is how they said they determine "adequate" care. There is a possibility you have not received "adequate" care if you die, and your heirs can prove you did not die of the cancer. Isn't that so nice?!
Gotta love customer service!