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How does an insurance decide that you DONT need a surgical procedure that your doctors say you NEED

It’s worse when they recognize you need the procedure but it’s not “something they cover”
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GermanAf · 26-30, M
They look at your money and then decide that you don't really need to be healthy if you can't even get their best plan!
KaysHealingPath · 36-40, F
@GermanAf I pay way too much money to this insurance company for them to be doing this shit.