I had to take a 2nd mortgage out on my office to pay for the fookin neck operation and I had what many consider very good insurance. You have to be a lawyer to figure out what they will pay and what they won't. Oh you didn't use one of our docs ... no matter NONE of their docs do that delicate surgery .. well in that case we will pay only 50% of the bill.. OH you need that med .. well we don't cover that one but we can pay for this other (that cause chrons problems so I can't take it) ... read the fine print ... what shit