Why Couldn't CIGNA Make the Right Decision In the First Place?

The Christmas weekend was full of news stories about a 17 year-old girl who was denied a liver transplant by CIGNA.The insurer ultimately reversed its decision but the girl died a short time later.I have no idea if the outcome would have been different had CIGNA made the decision to approve the transplant in the first place.Health insurance contracts--and government plans like Medicare and