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Thank you for your comment. This goes to show that all of us "laypersons" need to educate ourselves better and not just "trust our doctors." They keep too many secrets for insurance companies and don't want to bother to go against them. The insurance industry largely sets the standard of care, but doctors CAN go beyond that standard if they choose to. I am so sorry for your experience and loss. Please help me educate other people about this matter in general. Thank you. Katherine