>>You ignored the point. It's statistically impossible that the exact therapies they said my wife needed - number of days, number of treatments, number of cc's, number of gadgets, etc were exactly what her insurance would pay for- never more or less.
Why is it "statistically impossible?" Is it statistically impossible that a car mechanic performs the exact scheduled maintenance for your vehicle, never more or less?
Surely it depends where the schedule came from. Where do you suppose the insurer's schedule came from?
"... They ne'er cared for us
yet: suffer us to famish, and their store-houses
crammed with grain; make edicts for usury, to
support usurers; repeal daily any wholesome act
established against the rich, and provide more
piercing statutes daily, to chain up and restrain
the poor. If the wars eat us not up, they will; and
there's all the love they bear us."
-- Shakespeare: Coriolanus, Act 1, scene 1
