Insurance companies seem to have a different idea of what is a medical necessity than the average person.

I remember fuming at an insurance company’s response when I was attempting to get reimbursement for work I had done with a client: “you did not submit a request for authorization.”  I had the paperwork in front of me, signed and dated, when I actually had made the request.  Re-submitting the request was not allowed due to the next barrier being in place: “it’s past the time allowed to send to appeals.”