"Slow Pay, Low Pay or No Pay": Blue Cross Approved Surgeries Then Refused to Pay

I've called my insurance company to check whether they'll cover certain medical procedures. And they'll actually play a recording before transferring your call - something like "Statements of coverage during this call are estimates, and are not actual guarantees of payment."

I also learned that they have a whole bureaucracy already in place for appealing of payments. (People whose job it is to field all the rejected and then appealed claims, and write multi-page letters explaining their reasoning...) So I took my complaint to my state's consumer complaints department. Let the two bureaucrats explain things to each other.

And in the end, the insurance company paid me.