Reply #28: I don't know if it well make anyone feel any better,

[petersjo02]

but BC/BS of Iowa and South Dakota works very well. I've had one kidney removed, two heart attacks, surgery on cervical spine, surgery on lumbar spine, have stage 3 kidney disease, had gall bladder out, uterus removed, tonsils out, two slipped discs in the lumbar spine, consult with hepatologist for ongoing liver function test results out of normal range, etc. Going clear back to 1970 for the kidney surgery until now in 2009, I've never had the Blues deny coverage for any service. Their Medicare supplement insurance works beautifully, too. Sounds as though Iowa may be the only place in the country getting good service. I can recall only one time where I had to call for preapproval, and the approval was cheerfully extended: no argument, no fuss. They've paid for all lab work, x-rays, CTs, MRIs, mammograms I've had over the years. Maybe you should consider moving to Iowa. ;-) The same holds true for my husband's care over the years, including aortic valve replacement, and brain surgery.

The State of Iowa also has a program for people who are denied coverage through regular insurance providers. It is primarily catastrophic coverage, but at least it can help protect people from health-care-related bankruptcy in the event of a catastrophe.