Insurance is the same as the SS office. As I was told by one of SS personnel

that the way they reach the decision of whether you are covered or not is by them looking into a manual that they are provided by their superiors and if you don't fit exactly word by word as stated in their manual, you are automatically turned down. These are the people that make medical decisions for Social Security, and the same type of setup with the insurance companies. My then 10 y.o. son was being refused into hospital by this "person" at the insurance co., with whom our peds argued with for 20 minutes, and he finally asked got tired of speaking with her and waiting for her to look it up, that he had to speak directly with the medical director and in less than a minute he had approved the admission, turned out my son had 3 intestinal ulcers And yes, you are right, insurance companies are the worst..

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