Quote:Strong contract law prevents that from happening. It's one of the few true purposes of government to enforce them.

except they really dont...every filed an appeal for denial of services? you can expect to wait for months before they take any action...I need an MRI for my back but to get an MRI I have to either attend pain management sessions or physical therapy for 6 weeks...I waited 2 weeks for an opening in pain management only for them to tell me I can't do pain management without having an MRI, so I waited another week for an opening in physical therapy who said they can't treat me because I need a firm diagnoses of my condition because they don't want to cause more damage to my back by doing the wrong exercises, so I can't do psychical  therapy without an MRI...Filed an appeal, about 6 weeks later the insurance company claimed it's not a medical necessity at this time because they have found that physical therapy often relieves back pain without the need for an MRI, so it went back to the arbitration board...  

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