Filed a claim with Combined Insurance for my hip replacement surgery. I was diagnosed at the age of 4 with Juvenile Rheumatoid Arthritis. I had my first joint replaced in 2006. They paid for my surgery time as well as the time i was disabled for. I then had both my knees replaced in 2007 and they again paid the claim like they were suppose to. I am now 23 and have had my other hip replaced. They are now refusing to pay my claim. They have lied to me on every occasion, have told me that they have sent letters to my doctors for more information... read full review »