[go*big*red]

First of all, LBP - Colorado Insurance Division has jurisdiction over this because we purchased the policy in Colorado, from a Colorado agent and we are located in Colorado. I have, since I first posted this, got Colorado Insurance Commissioner involved. They have been very gracious and have tried to contact PC 4-5 separate times by phone giving them ample time to answer some questions over the phone with no response! So, as of today they are lodging a formal complaint with an inquiry. I'll have a copy of the letter by the end of the week.

I think that #1, PC always says to contact State of California because that's where they are based and are banking on people not inquiring further with their own Division of Insurance. #2, That they (we) will get tired and just plain give up. (I gotta tell you I was almost there!)

If you purchased your policy in CA, then maybe that's why it stayed there?

Also, Crystal - I am doing massage therapy - have for gosh, about 6 years. I don't think I'd be standing if I didn't have that. Just had my bi-weekly massage this morning.

I've been in so much pain, the nerve block has worn off for the most part - I've got a call into my surgeon to see if we couldn't go ahead and schedule the surgery for the 2nd week in July as my policy is up for renewal in August and I would have to meet my $3K deductible again. That's the other thing I think they are counting on and that is getting into a new policy period. This way, if I am approved, I'm on the schedule. If I'm not (I'm not even going to go there!) then we can cancel. Don't know if they're willing to do this, but I'm gonna ask anyway!

*sigh* - all this red tape!