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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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Confined · 56-60, M
Happens all the time. It's cheaper for them to let you die.
KaysHealingPath · 36-40, F
@Confined they’re letting a baby die. Oh sorry no right now it’s not a baby just a fetus.