Insurance

I would appreciate any help anyone can give me on this.

I had a miscarriage in July late on a Friday night. I called my doctor’s office who then told me to go to the Emergency Room which I did. I have BCBS health insurance and should only have a $50 copay for the emergency room.

I received my first bill in August or Sept. and nothing was being covered. When I called BCBS, I was told they need the date of onset and that it wasn’t being coded as emergency. I called the hospital and told them that. I thought this was taken care of.

Fast forward to now. This is a $1406 bill. I just hung up with BCBS, and they have now decided not to cover it because a missed abortion (which I guess is a miscarriage) is not an emergency service. It is an outpatient service even though I was treated through the emergency room and went there per my doctors request. They also told me it was pointless to try and get them to review the denial.

Here’s where you guys come in. I am sitting here crying and I don’t know what to do next. Anybody know how to fight this? BCBS won’t give me the CPT code that they need to cover this. I just don’t understand how they can deny the claim when I was told to go to the energency room by my doctor and then it is not an emergency. Any help would be greatly appreciated. Thanks!