As you may or may not be aware, insurance companies have some pretty manichean arbitrary criteria to decide whether or not a particular procedure, treatment, or medication are covered, or to what extent. To give you an idea of how they operate, I discovered the hard way a few months ago that my insurance company (no names or they'll probably turn around and drop Lyssa and I like a bad habit, knowing those fuckers) informed me that a particular treatment "should not" cost $190us, but "should," in fact, only cost $71us. They then informed me that they would pay only …