Sutter... This morning I met with our rep from Blue Cross-Blue Shield, and we talked about your situation. She suggested some public pressure is in order. I will also be posting this on Home Theater SPot... If you could tell us who the insurance company is, from Your e-mail address, I gather your last name is Gunzelman, we can put some pressure on this situation. An insurance company IS a business, and no business wants bad publicity... especially from us vocal audio people...