Defendant Anthem is one of the largest health insurers in the US, and defendant Anthem UM is its claims administrator. The two companies together develop Medical Policies and make decisions on which claims are approved and which are denied. One of their policies is the denial of claims for microprocessor-controlled lower limb prosthesis, the complaint says, on the grounds that they are “investigational and not medically necessary for all indications.” However, the complaint claims that microprocessor prostheses are now standard devices, and that they increase safety and stability, reduce stumbles and falls, decrease discomfort and pain, and aid walking at a variable rate, over varying terrain, or up or down stairs.