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<PRE>i recieved a packet of explanation of benefits from my insurance. 7690.00

worth of physical therapy. denied. i am very frustrated and unsure how to

write up a grievence. any ideas?? this is all on my foot. which my dr did

prescribe. except for one bill from the hospital when i was attending land

and water therapy. i think it is pretty sad that they let me rack up a bill

like this, then say sorry we are not going to pay. plus to think my family is

paying close to $500/mo for these benefits. help!! kathy in il

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