Anyone know why some people get approved...

and others get denied using the exact same insurance company in the same state? I realize there are different issues at hand, such as BMI's, comorbids, etc. But one would think that if its a policy exclusion, ALL would be denied, but I've seen evidence contrary to this. Is it really who has the most and best documentation, persistence and knowledge of how the "system" works? Do you think that being tenacious and showing the insurance company that you will fight and not go away helps in any way, or just wasting breath?

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