I’m writing another review as I can’t respond to comments from the service. So, I will address you directly… You know this isn’t a chronic condition, as stated by my doctor; it’s an acute situation from a sports injury. You're clearly searching for loopholes to avoid covering your client. This reflects poorly on the insurance industry. An elective surgery is defined as unnecessary or cosmetic, but I am unable to move and in constant pain, making it medically necessary. I see through your compassionate language; underneath, it’s about profit and denying care promised in your advertisements. Your company is shameful, and I can’t give a lower rating.
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