So you or someone you love has been diagnosed with multiple myeloma.  The natural thing to do is focus on your cancer.  The last thing you want to do is read a letter from your insurance company that says that they are denying a payment.

"Don't they know I have cancer, you ask yourself?"  "But my doctor told me to do this!!!  How can the insurance company not pay for it???"

After you take a deep breath, perhaps go for a walk, sit down quietly and try to think through this problem.