I was recently denied a procedure which is -- technically -- covered under my policy.  GHI will not let me have a CT scan of my brain because they deemed it not medically necessary to diagnose my nearly constant dizziness. I haven't finished with this problem because I can appeal and I have to consult my own doctor to see if there is another option. But what really irked me, and this isn't the first time, is that they write,

"You are free to pay for it yourself."

Well of course I am. Do they think I am that much of a sheeple that I need permission from the insurance company to pay for something?  I pay for most things for myself as it is, because this insurance doesn't cover doctor's visits, but only hospitalization, diagnostics, labs and pharmaceuticals.

Also, starting off the letter with a long self serving paragraph about how much you care about customer's health is utterly ridiculous when you're denying a procedure the doctor has ordered.

Newsflash to GHI: you care about profits. You always have and always will. It can't be helped. A good customer is one who pays but never takes. A bad customer is one that needs it.