It's also important to realize claim denial isn't the same for all customers. When I was classed as an executive at a large blue chip company, my claims were ap

It's also important to realize claim denial isn't the same for all customers. When I was classed as an executive at a large blue chip company, my claims were approved quickly and easily at the company specific hotline. With the same provider, making the same claims, they are now partially denied initially and it requires long phone calls to get them to admit they should be covered and often it just isn't worth the hassle.