I have for many years worked for insurance companies as an outside attorney. I have represented many insurers, but mainly have represented insureds who get sued because of car accidents, slip and falls, etc. I have learned that insurance companies are NOT in the business of paying claims. They are in the business of denying claims and maximizing PROFITS. With that in mind, we all need to be vigilant in dealing with our health insurers. We cannot be lackadaisical and can take nothing for granted. Do not hesitate to retain an attorney at the first sign of trouble. Believe me, if you get a lawyer involved, you will definitely get attention from your insurer.