It was only later that I discovered why the insurance company was stalling; I had an option, which I didn't know I had, to avoid all the approvals by going to "Tier II," which would have meant higher co-payments. The procedure is designed to get very sick or prosperous patients to pay to jump the queue.The insurance company almost killed a man in order to try to persuade him to buy more expensive services.
This article available online at:
http://www.theatlantic.com/politics/archive/2007/07/more-waiting/43170/
