This sort of thing is why I'm don't accept insurance for massages. I have BIG ethical problems with the way the insurance industry does business.

For example, colleagues I've talked to tell me they charge insurance claims at 20% more than a cash client because they fail to pay about 20% of claims. Doctors, PTs, Chiropractors etc. are treated the same way. So medical providers over charge just to get what they're entitled to, so the insurance compancy justifies denying claims because they get charged more.

Just my opinion, but *this* is why US health care is so screwed up.