I am not a fan of the insurance companies either. They are equally maddening to deal with. (However, they are responsive to pressure from the employer who buys the insurance if the employer is big enough. And once I got CHAMPUS to budge by complaining to the IG.) I don't know what the answer is....but I do think that the patients view-point about what they need changes if they are paying for something directly as opposed to paying for it indirectly.
