I have United Healthcare and they are flat out saying no. They want to see phase 3 clinical trials to show support for efficacy. The oncologist wrote a letter, but they say they are working on it and will let us know in 4-6 weeks. Meanwhile they have approved the Xeloda. I will see the oncologist this week. My story is long, but in a nut shell, I have not responded to the Gemzar. While there is no visible spread, the tumor has grown. The surgeon is willing to go back in and take the tumor out, but only if there is response to chemotherapy.