Are you aware of ERISA...take note and read this article to catch up...this provision successfully puts more strain on our legal system...and look what it did for the patient in this case...publicity was on her side here and the case had to go before a judge..in the meantime, put yourself in her shoes...denial of a claim with no negative consequences...with Social Security the opinion of the attending physician prevails...and basically this provision allows for big companies to avoid paying for care that should have been covered...scary....BD 
You may have heard the recent story about Wal-Mart suing an employee who suffered severe brain damage when her minivan was hit by a tractor-trailer.
Wal-Mart sought to recover $417,000 it paid for her medical care under its employee health plan. This $417,000 was money the woman desperately needed for life-sustaining nursing care. Due to substantial negative media coverage, Wal-Mart dropped its claim against the woman and dismissed its lawsuit.Under ERISA, an insurance company or HMO can deny coverage without penalty, even if that denial of coverage causes serious harm or even death.
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