Each year, thousands of Americans die while engaging in activities that involve some degree of risk. Although these activities provide no essential social benefit, society bears the cost of injuries and deaths that occur from people parachuting out of airplanes, skiing down steep mountains, and engaging in other dangerous but perfectly legal activities.

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.