[power]

A lesson learned from hard experience and unfortunately too late: get your own illness benefit insurance. If you have it through your employer you can't sue the insurance company since you're not a party to the contract. They don't even need to talk to you, only your employer.

[linsomniac]

I was preparing to possibly have to do this, but it looks like I've narrowly avoided it. My family has a procedure scheduled Dec 4, and my work insurance is changing plans Dec 1. Got pre-approved with previous plan, previous insurance company is exiting health insurance totally. New plan needs 15 business days to approve it, and can't start that until we get group numbers, and there's a holiday in here.

But, the doctor has been able to get us in due to a cancellation, before the insurance expires.