Fearing for his life, Anthem Blue Cross of California client Ephram Nehme paid for his own surgery in Indiana, where wait times for organ transplants are far shorter than in California. But Anthem Blue Cross said it would not pay for a transplant in Indiana. Nehme, a Lebanese immigrant, could afford the surgery himself and went to Indiana for the liver transplant. But he remains angry with Anthem and sued the company, accusing it of putting its bottom line ahead of his medical needs.