[ESL]

i have posted this several times on many parts of this board, but no one seems to really notice....however it is a very important nuance wiht regard to the willingness of insurance companies to approve procedures......and that is that another factor is whether insurance thru your employers is a fully insured plan (in which case the decision to cover or not cover adr is up to the insurance companies) or a self-retention/self-insured plan (in which case the insurance company administers the employers insurance plan and appeals are up to the employer....usually a manager/management team/or cross hierarchal committee).

I am not trying to grind an axe, but just want to help raise everyone's awareness.