Their strategy is more nefarious. They deny knowing most people won't appeal and they know those that do appeal likely have a limited time to receive the treatm

Their strategy is more nefarious. They deny knowing most people won't appeal and they know those that do appeal likely have a limited time to receive the treatment they need. They deny and defend until the patient runs out of time. This has happened to me personally. My daughter was diagnosed with a fast growing tumor that was not removable. We thought we were in luck, the FDA recently approved a new medication that had much better success rates in treatment. Insurance denied it. Their reason was because the FDA didn't approve it in children although there are many studies and cases where it has been used in children to great success. Not to mention, FDA approval for children takes many years. We appealed and were denied again. We appealed a second time and were denied again. Then, out of no where I got a call from a third party pharmacy to schedule the delivery of the medication (apparently it was approved in some internal review). All in all, the treatment was delayed four weeks and the tumor more than doubled in size. Ultimately, the medication didn't even work and we had to stop and proceed with chemo which seems to not be very effective either.