i had surgery a few years back

it was a five hour procedure (give or take) and it was on (well in) my neck. my surgeon said i would be in the hospital overnight. he wanted me there to monitor me. my insurer said NO, i wasn't to stay overnight. THEY reviewed my case and THEY decided i DID NOT have to stay overnight. so my surgeon said he wanted me there, THEY said no. my surgeon DID come up with a plan to keep me overnight (he'd just leave me in 'recovery' overnight) so all was well (my surgery was at 6 am and i ended up leaving the same night at about 7 pm. MY decision and i cleared it with my doc and he thought it was fine as long as someone was with me for that night and the next day). i cannot imagine needing a liver and being told NO. it's one thing to be booted out of the hospital for one night, another thing to be denied an ORGAN
Teen Dies; CIGNA Blamed
Refusal To Fund Transplant Debated
By MOLLY HENNESSY-FISKE Los Angeles Times
LOS ANGELES - — The case of a Los Angeles teenager taken off life support just as her insurance company reversed itself and agreed to pay for a liver transplant is highlighting tensions among physicians, patients and insurers over the definition of "experimental" procedures.Nataline Sarkisyan's family blames their insurance company, Bloomfield, Conn.-based CIGNA HealthCare, for the teenager's death Thursday. A leukemia patient, Nataline, 17, had been in intensive care at UCLA Medical Center about three weeks after complications set in following a successful bone marrow transplant Nov. 21, relatives said. She was covered under the policy of her mother, a real estate agent.Doctors treating Nataline told the family and CIGNA in a letter that patients in similar situations have a 65 percent chance of living six months if they receive a liver transplant.................

(i didn't name the insurer who denied me an overnight stay because i have forgotten who my carrier was that year. i'm just not sure, otherwise i WOULD have named them. i DO work in the insurance/financial industry but my company does NOT do medical)