The Elders did not always have such a contentious relationship with their health insurance carrier, and they were not always broke.

CNN: Crush of cancer, medical bills snares family

The fight was over which insurance carrier, if any, would indemnify the State for the cost of cleaning up this toxic waste site.

FORBES: Beleaguered Barbie's Girl Fight Busts Mattel Profits

Prospective policyholders aren't required to use appraisers on the company lists, but the insurance carrier will determine if it accepts the work of someone else.

WSJ: Hurricane Sandy May Lead More Art Collectors to Seek Additional Insurance Coverage

If someone posts a YouTube video of pea-size hail and a neighbor submits a claim for massive damage, the insurance carrier can investigate the discrepancy.

FORBES: Analyzing The Flood Of Data From Tropical Storms In Real-Time

But at 57, he doesn't yet qualify for Medicare, so he's still on the Carrier health insurance plan.

NPR: Workers Face a Cold World After Carrier

Nine months later, the largest malpractice carrier in the state was before the Insurance Commissioner seeking a rate increase.

FORBES: GOP Fights With Itself Over Medical Malpractice Reform

You can find carrier names on your state's Department of Health Insurance site.

FORBES: How To Find The Best Deal On Health Insurance