I have two recommendations for anyone in this situation: 1) Talk with the state insurance commissioner. Make sure that your paperwork is in order, and then fil

I have two recommendations for anyone in this situation: 1) Talk with the state insurance commissioner. Make sure that your paperwork is in order, and then file a formal complaint. Mentioning this when talking to insurance company reps will get you booted upwards to people who are more able to help you so that the to make their problem go away. 2) If you have a case that's a clear compelling class, talk to a lawyer after the first appeal. Background: My son had some prescribed therapy for a mental health condition that I was told would be covered when I talked to the insurance company. They subsequently denied the claims, then backpedaled on the first month because "I'd been told that they'd be covered.", but the subsequent months were not covered. I was left with a several thousand dollar bill. Washington State has the Mental Health Parity act, which states that mental health treatments must be covered to the same extent as rehab or surgical treatments. The insurance company ended up losing 2 class action suits, (a federal and a state) and paying $6.4M to repay all the class member's denied claims and an agreement to not deny claims in the future.