Re: Need some advice-This is long
My parents had a similiar issue with a recent knee surgery of mine. We were told that the insurance company would cover it, but we were getting bills that said our insurance company was not covering the bills.
All it took for us was a phone call to our insurance company - we told them that we were told this surgery would be covered, bla bla bla - and later find out that a person at the hospital didn't send in all of the paper work.
Something like this also happened with a knee brace, the brace was like $200 and we were again told the insurance company would pay for it, the company actually referred us to this company, then we get a bill that the brace was not covered. My mom called the insurance company, they looked up the code that was used, and that code was no longer active. So the insurance company called the brace company and gave them an active code to use, and then we got another statement saying that hte insurance company payed for it.
I would advise you to call your insurance company and talk to them. First and foremost though, make sure you get the full name of the person you are talking to. Tell them that your doctor got prior approval for this surgery, and you don't understand why you are receiving the bills - that you don't understand why the insurance company isn't covering the operation. Especially since there was prior approval.
If the person at your insurance company you talk to can't help you, ask to talk to a supervisor or someone who can help you. Be firm.
And definately mention that you had prior approval, and if possible, get a copy of the papers that stated this and have it in front of you, along with all of your bills when you are talking to the insurance company. It is always good to have documents that you can refer to.
Good luck and I hope I helped some!
I really hope you get everything resolved.