I broke my ankle and they wouldn't pay for a walking boot that the doctor confirmed was covered. we paid cash for it, because we didn't have a choice. every time we submitted for reimbursement, they gave a different reason why they wouldn't pay. After about 5 submissions, we gave up. If there is ever a time when they are my only choice for insurance, I will go uninsured. it seems you are less important to them than profit.