While not directly related, my wife got this advice and it's saved us thousands. She was on a drug trial and it really did wonders for her. When the drug was approved by the FDA she went to get it approved by her HMO and they denied it. Round and round they went and a trial lawyer friend of ours put her in touch with someone who specializes in this. After a half hour consultation and an hour of research the guy noticed that the medical person they had review her case was not a specialist in the field as was mandated in the review process. Melissa pressed them back on this, they had it reviewed by a specialist, and voila they reversed their decision and are covering the drug. It would've been $1000 per month, now it's a $45 copay. The 1.25 hours of lawyer time cost us about $200 but it was so worth it.