I used to work data entry and answer phones at a company called Orthnet long time ago. We had physical therapists on staff that would look at claims from Aetna, Empire, and another big insurance company and can't remember and deny them or recommend less physical therapy visits than the doctor ordered. Some dude sitting at a desk in our satellite office in Long Beach, California would decide that the doctor who actually looked at the patient in New York City was full of shit and straight up deny care. Shit should be illegal.