Hello, On Jan.15 2010 received a backdated to Dec.31 2009 'refusal' without any signature from the Grievance Dept. The refusal to pay 70 % for a urine and stool tests and the doctor visit which I claimed. It was an out from network service which I needed being in sink, many times disabled through the 'symptons' treatment which was restricted different steroid pill and injections. Due this treatment I faced with side effect like ulcer and later on 'lupus' shown by my bloodtest. Because the treatment was hopele... read full review »