Sometimes one can negotiate successfully with the insurance company.

For instance, my wife has Medicare. And Celebrex--which her doctor prescribed--is not on Medicare's list of approved drugs. But she contacted Medicare, and noted that it is what the doctor insisted upon; and Medicare then approved it for her.

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"In his second inaugural address, [Franklin D.] Roosevelt sought 'unimagined power' to enforce the 'proper subordination' of private power to public power. He got it…"—George Will, July 8, 2007