Yes, BCM...it’s a really messed up system. Over a year ago my father needed a life saving full liver transplant and they needed to get approval from insurance before they would even put him on the transplant list. Then they had to approve a home health care aid while he was waiting for a liver. They have to approve everything first. and if Art needed her appendix removed right there and then, like EM said, she and everyone else getting surgery on the spot would have had to pray that it would be covered.