I literally told them I did not need it or want it but the system requires it based on a surgery I had, even though I am 100% capable of working.

The surgeon doesn't do surgeries on his first day of medical school.So be careful!  

How many trauma surgeons watched videos, read a book, and then jumped right into surgery.

That is a mistake and you can read many of the horror stories right here on BP from newbie's who failed to understand that if they won't read a medical book and perform surgery on themselves, it's probably not a good idea to read some blogs and start drafting contracts with no knowledge of the provisions and consequences of such an action.

It ain't rocket surgery but could cost a lot if the handyman had a bad day.

My ENT doc who is retiring after 35 years of surgery but will still run his practice to maintain existing patients and teach new doctors doesn't want to deal with insurance companies anymore.

Or blame it on the pain meds from the surgery I had yesterday.

Once they know how you make their job easier your rehab projects will flow a lot smoother.Not everything can be learned on the internet... ie: brain surgery.  

The latter instigated significant proactive surgery for a CA woman thought to have come out of a 5 year remission.

Yes, you need an MO in Cali, there might be an attorney willing to do it, but they really aren'y finance types, but then here, an attorney is qualified to do anything, I think they can do brain surgery if they want to.