Forgot to add the moral to the story. If you are the CEO of a self insured employer of any size, REQUIRE , that BEFORE any denial of care by your Third Party Administrator that could negatively impact the health of an employee or their family member, they must report it to the CEO or their designee, to approve or disapprove. I get that some employers use denials to save money. I'm willing to bet they would rather spend money than answer to a grieving family or the media sitting in their office.