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Also happened to an in-law of mine. After they got pre-approved fall bladder surgery, the insurer came back and said the surgery was "elective". They paid after

• alabastervlog 2y ago
  Having to fight to get payment for anything major has been more common than not, in my immediate family's experience and from what I've heard from friends and relatives, for a long time. The tens or even hundreds of hours on hold with insurance providers and hospital billing departments and calling state regulatory agencies and time sorting through the fifty bills scattered over ten months from nine different entities, all for a couple days in the hospital, are a massive unaccounted-for cost of our already-record-settingly-expensive healthcare system.