re: The problem with anecdotal evidence
Why would an emergency gallbladder operation not be paid for by insurance? The ambulance takes you to a hospital that is not on the provider's preferred list, you're screwed, is why. Oh, and if the ambulance call was not pre-approved, it might not have been covered either.
I have gotten excellent care out of my insurance company except for a couple of little bitty items but I still see the problems.
Get your head out of the sand, Mr. Ostrich.