What might you do?

I would do what they suggest, since I would not know better, and besides, that is probably the only way my treatment would be covered, except for copays.

They should not put such a decision on the patient. They should know what to do, in my opinion. That is what we all pay them those high fees for, right?

Sort of like when I take in my car. I am clueless. I can only trust they will fix the problem. And if I am swindled, well, that was my charitable contribution to society. At least half the bill supports labor costs not corporate profit.

As for healthcare, the insurance company is on the hook so that is their job to fight it out. Let them fix me first and worry about who has to pay for it later. I have trusted my doctors so far. And they hate the insurance, too. I saw the looks on their faces when my rehab was denied for two weeks while I remained in the hospital when I could have been doing physical therapy for two weeks. The hospital only did physical therapy like once a week, and no machines just we walked the hallway. Lame. They also would not even cut my toenails. Nope, need a podiatrist for that. Jeebus! One nurse, at least, was kind enough to shave my beard. It grew back, though.