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KCee My wife worked for doctors all her life. She did the medical billings and dealt with insurance companies + Medicare/Medicaid. She said it is rare that any of them will pay on the 1st billing...always deny. But she kept resending and they would end up paying. Eventually.
Just a bunch of damned assholes, that try to cheat the public out of their money. Yet they raise rates significantly, every 1/1.
Stockholders are always more important than sick/injured/disabled people.
But, do check policies for any exclusions you did agree to.