Wow. That's quite a story. It's a darn good reason to have a single-payer, government health insurance authority. Profit-making health insurance companies are an oxymoron. Profits have to come from somewhere, and in this case they're coming from you and your husband. If this is your husband's employer's insurance carrier and your husband isn't in a position to get another job, there's not all that much that can be done, other than appeal after appeal within the insurance company process. My prejudices are showing in this post. I hope I don't get zapped by the admins for taking sides.