Quote:
Originally Posted by Wild Coyote
Hi BirdDancer,
I've had incredibly great outcomes with any insurance matter (health, auto, home) when I had brought disputes with them to the attention of the Banking and Insurance Commissioner/Ombudsmen. I have done so in 3 different states and for different types of insurance. In every case, the insurer was remiss and they had to step up and pay up. (Just one case was one in which my insurer had to pay a $53,000.00 hospital bill. They also had to pay my deductibles and my co-pays for my trouble.)
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I hope things go well for you and for your loved ones.
Love and Prayers ~ 
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Wild Coyote, you are so kind to be sharing all of your related experiences with me. I have copied both of the posts you wrote into a MS Word document and will share them with my husband and sister. [I confess that I easily become overwhelmed.] I hope that's OK.