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Ok, but what if your insurance company decides not to pay for a life-saving procedure you or your family might need done?
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if it was not a service covered by my insurance then i have to either accept that i am going to die sooner, rather than later - or i need to find a way to pay for it if i don't want to die.
if it IS a service covered by my ins. company and they are being stupid i will visit an attorney.