[Terry]

CindyLou:

Your denials imply to me that, even though your husband's company is private, they are not self insured. This means they pay premiums and you are still at the mercy of the insurance company. This would mean that you husband could request the owner to argue to the insurance company on his behalf but they could still deny it.

I am the executive of our corporation and could not control the outcome of the insurance company. They did ultimately pay after two denials. They paid the full amount as I had already met my deductibles for the year.

I went to another clinic in Germany and wired the whole amount pre-surgery as requested. The insurance company then sent the hospital a check and they wire transferred the full amount to my bank. Boy was that ever exciting. I like unexpected money especially in that amount.

Good Luck CindyLou.

Terry Newton