Insurance companies are so much fun. They approve claims unless…… somewhere in the fine print they don’t. The policies are difficult to read and parse the intangibles. I am sure it is deliberate. In the case of property etc it is aggravating enough but in medical issues it can be life and death.
When I worked as a Case Manager I had to be able to read and understand the policies. One of the best things I learned in my life. I can’t do it with property but I can read through the details on medical insurance and find the little catches that are used to avoid approving things. So very useful in today’s world.
As in most things it is the squeaking wheel that gets action but doing that can take time and much aggravation. Confusion is one of the tools used to make us think there is no way through the fog. Usually there is but finding it is tricky. If you are struggling with a problem like this see if you can find an advocate who understands the system and can help. Sometimes physician’s office staff can help.