Worse than that though is the insurance company's declaration that all treatment I receive in the year following the transplant, will be considered as part of the transplant (in other words they won't pay for it because the transplant allowance is all used up). We've spoken with the state insurance commissioner's office about that and they have assured us that the insurance company's cannot do that.
We may be aided by the fact that voters here in Washington State just approved a referendum 2 weeks ago that make it a crime for insurance companies to hold up the payment of legitimate claims. "My True Religion Is Kindness" -- The Dalai Lama
I'm in Washington state as well -- feel free to email me. I've had a bit of interaction with Commissioner Kriedler and his office and they're very nice. Maybe we can eventually make language a complete impediment to understanding. -Hobbes