We wouldn't even be having this discussion if the insurance industry did have legislatures throughout the country in their pockets, along with the trial lawyer lobby.
If I am paying for insurance, I expect the carrier to cover what I am paying for. I guess I really should get off this thread.......I'm in the midst of a battle with my health insurance carrier right now for refusing to pay the bill for my surgery last year.........they paid for everything without question, EXCEPT for the doctor who did the surgery. So I am probably looking at this from a less than objective standpoint.
My gripe is not with you, or really even your position, just with the system as a whole. It's broke and needs to be fixed.