We had three appeals, all denied, even though the Ombudsman thought that with positive margins in Bob's case he should have adjuvant chemotherapy. The insurance company decided to interpret it differently. Three oncologists recommended chemo, and everytime a insurance case worker would call they were just plain nasty. We were approved in the beginning, then they said they made a mistake, which took Bob out of the running for some clinical trials because he had already started the xeloda and radiation. Enough said the most important thing is that my husband is alive and well. My plea is for everyone to stay positive. For a cancer that we were told was very, very rare, it apparently isn't so, but THERE IS HOPE. One thing is for sure, we certainly look at life differently now.