I have a relative who is a doctor. Had a claim denied once from someone that was not a doctor. Next: denied by someone not actively practicing in the field. Then denied by a doctor with no experience in that specialty. Only after all of that was it approved. They’ve also been picky about order of operations, such as not covering an MRI because there wasn’t also an order for a CT.

“They said I wouldn’t believe it.”

I avoided this mistake by giving up (I only had two with me anyway). It took six hours to feel my buzz and it only lasted a few minutes.