@Foxfyre,
a) hire a competent lawyer. a "competent" lawyer will cost much more than the $1200 the lab wants to bill. even a mediocre lawyer will easily find a way to bill $200 x 6. and then there is my time spent on it. funny how so many things that used to get covered are now deemed "experimental".
b) you still seem to have missed my entire gripe. 1) the insurance companies are totally out of control. how do they get away with it? by being in cahoots. who has more money than those guys? the combined people of the united states represented by the federal government. if you trust them to start, or join in on, wars and national defence where life or death is decided on a far larger and more immediate basis why wouldn't you trust them to attempt to secure at least baseline healthcare for your fellow citizens?
what about medicare. is medicare socialized healthcare? or does it only become "socialism" if you receive it under 65 years of age?
there's a lot of funny rules that are being used, and even those in a way that is not evenhanded on this and other topics.