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@teenforgod18 Thanks, we'll try the appeal. Lame that they can give misinformation and get away with it, but I don't know what else I expected :) Thanks for the info and response!

Cross posting from r/insurance We could use some help in coming up with the appropriate path for resolving a problem with our health insurance. Thank you in advance for reading and your suggestions. TL;DR at the bottom and important points bolded. At the time of all events below, my wife was...