#$%@%! I don't curse much, but there are times, like this morning when I opened up a claims denial for MRI from the insurance company that it is more than appropriate. I am kicking myself, hard, because it is my fault that I will have to dole out $2020. I got proactive when I scheduled the MRI, but in the process didn't follow all of the appropriate steps--mainly, getting a referral from Student Health Services for the MRI. It didn't even occur to me that I would need one because I am under the care of the neurologist for the MS and I had a referral from him. Unfortunately, not good enough! I will appeal the decision, but in the meantime #$%@%!