The insurer is playing games here. Emergency care (ER care) is required to be covered even if it is out of network. So the CT scan should have been covered.

The insurer is playing games here. Emergency care (ER care) is required to be covered even if it is out of network. So the CT scan should have been covered. Also if this was post 2021 there is the no surprises act that applies as well. This is when you go to an in network facility and out of network providers are staffing it. https://www.cms.gov/newsroom/fact-sheets/no-surprises-understand-your-rights-against-surprise-medical-bills https://www.cms.gov/newsroom/fact-sheets/no-surprises-unders...