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Six years ago, they were debt-free when they moved into their new home. Now, they carry three mortgages and $45,000 on credit cards managing their Lyme disease. That is the plight of one Florida familly whose health care provider has denied them the treatment they need. Now the family, holding positive test results, believe insurance companies should grant doctors discretion to do what they think will help patients, particularly if, as with Lyme disease there is no agreed-upon standard. So was the insurance company decision, rejecting the families appeal for prolonged antibiotics for their children because it deemed drug therapy beyond 28 days for Lyme disease "experimental, investigation or unproven." made to limit their own costs or was it based on science?