I would say the same for me, but the difference is that when I was working, I was with huge companies that were self insured and their coverage for employees was of the "Cadillac" variety. Everything my doctors threw at them before I retired, was covered, meds too.
I know others who unfortunately work for organizations that have cheap plans and they encounter rejections frequently. Usually for a utilization review, or if the recommendations are approved by in house DR's and Nurses. At that point, you're at their mercy, dragged thru the process, hoping you'll just go away.
I would say the same for me, but the difference is that when I was working, I was with huge companies that were self insured and their coverage for employees was of the "Cadillac" variety. Everything my doctors threw at them before I retired, was covered, meds too.
I know others who unfortunately work for organizations that have cheap plans and they encounter rejections frequently. Usually for a utilization review, or if the recommendations are approved by in house DR's and Nurses. At that point, you're at their mercy, dragged thru the process, hoping you'll just go away.