https://amp.cnn.com/cnn/2025/07/18/us/luigi-mangione-medical-records

Attorneys for the man accused of gunning down the UnitedHealthcare CEO last December now claim in a new court filing that Manhattan prosecutors wrongfully obtained Luigi Mangione’s medical records from his insurance carrier.

In a letter filed Thursday, attorneys for Mangione said the Manhattan District Attorney’s Office obtained over 120 pages of information from Aetna, including information about “different diagnoses as well as specific medical complaints made by Mr. Mangione” without the court or defense team’s knowledge.

The prosecution improperly compelled Aetna to turn over Mangione’s medical records directly to its office without facilitation from the court, according to the defense letter.

I am a livid pediatrician - 13 years practicing - never have i seen such a dangerous abuse of power than i did today.

I saw a kiddo with Kaiser Options insurance... He was having difficulty breathing and a cough... After breaking his asthma attack in the clinic with albuterol and a steroid. I sent the child home to pick up more albuterol and a steroid to continue treatment.

The standard therapy for albuterol for an asthma exacerbation is 4 puffs every 4 hours while awake and an oral steroid...

Got a call that the albuterol requires a prior authorization....

This child could literally die today without this medicine... You have 1 airway... What if i fill out this form wrong or the person who reviews them checks their email in 2 days.

I have no idea what else i can do. What an astonishingly dangerous abuse of power and stupid move...

I am so angry and feel powerless...

A month ago my doctor told me to go to the emergency room due to a collapsed lung. I drove myself there. They did the things they need to, I was there for a while and friend showed up to support me. They then told me I had to be transferred to their other campus because that’s where the specialists were. We asked if my friend could drive me, which they said no. Several hours later I was transported by ambulance less than 3 miles down the road. I am in CA. I just received the EOB email from my insurance saying they will pay for $594 of the ambulance and I will have to pay $16,555! I have no way of being able to pay that. I haven’t received the bill yet but am terrified and don’t know what to do.

I'm hearing from working class peeps that work 1099, THEY can no longer afford insurance. I'm talking about people who make between $20-30/hr.

https://dailycaller.com/2026/09/26/healthcare-professionals-dropping-insurance-affordability-jeff-singer/

Key indicators of this affordability crisis include:

• Widespread Difficulty: 44% of U.S. adults report it is very or somewhat difficult to afford health care costs, and 22% had problems paying or were unable to pay medical bills in the past year.
• Cost Desperation: Approximately 11% of adults (about 29 million people) are classified as "Cost Desperate," meaning they lack access to quality care and have recently been unable to pay for both needed medical services and prescription medications.
• Insurance Gaps: Even among those with coverage, 30% of working-age adults say high health care expenses make it difficult to afford essentials like food and utilities, and 35% report being unable to access quality, affordable health care when needed.
• Disproportionate Impact: The inability to pay is significantly higher among lower-income households, with 64% of those earning under $24,000 unable to pay for care, compared to 8% of white adults and high earners who reported no change in their ability to pay.

I thought the plan was to go back to 'pre-Obama' rates and coverage (excluding pre-existing conditions) ---

What happened?

Hey everyone, I'm looking for advice or to hear from anyone who has been through something similar.

My sister gave birth on March at 35 weeks. The baby was critically ill and was admitted to the NICU. She was then airlifted to a second hospital that specializes in caring for the sickest newborns.

Tragically, my niece passed away the next day after about 15 hours of life.

Fast forward to June, and my sister and brother-in-law have been overwhelmed with medical bills totaling an unbelievable amount. They recently found out that the insurance company denied coverage because they didn't enroll the baby within the required 30-day window (We are in July now). They had no idea they still needed to manually add their baby to the insurance plan, especially after she had passed away. My sister genuinely believed the baby was already covered.

This has reopened the trauma of losing their daughter. On top of grieving, they're now facing the possibility of six-figure medical debt. The stress has become so overwhelming that my brother-in-law is now experiencing health issues himself.

Ps: My sister actually works at the first hospital where she delivered, and my brother-in-law works at the second hospital where their daughter was transferred by flight.

Has anyone been in a similar situation where:

You forgot to enroll a newborn within the 30-day window?

An employer insurance plan made an exception after an appeal?

You were able to get coverage approved after explaining the circumstances?

A hospital reduced or forgave a large portion of the bill through financial assistance or another program?

They're already working with HR/ insurance, but they won't cover it because they missed "30-day window" anyone has had success appealing under extraordinary circumstances like this.

Any advice or shared experiences would mean a lot. Thank you.

Distraught. My husband didn’t realize he had to go in a confirm our daughter after he submitted her birth certificate and SSN. We already checked and she was on our insurance for the first 30 days and BCBS said the hospital stay was covered (thank freaking God).

Because she was on our insurance for 30 days, can we get Cobra? What are our options to get us through the next 3 months?

EDIT: After talking to insurance, the state, and an outside insurance company (looked into a short term policy. Children under 3 aren’t covered), we’ve come to realize that if the appeals process is denied by HR, our only options are for me to not work until January so we will qualify for Medicaid or pray nothing bad happens until January. We’re weighing our options. Thanks!

Ok here’s a doozy. I gave birth 6/11/26. I spent two additional weeks in the hospital post hemorrhage and neurological concerns thanks to botched anesthesia. By the time I was home recovered and out of the newborn bubble I somehow missed the 30 day enrollment window to get him on my works insurance (BCBS). I missed it by 5 days. I submitted two disputes and both were denied. But took weeks to get a response.

Fast forward to today, I applied for marketplace coverage through the state. Come to find I’m now 6 days outside of the enrollment period for a special event. They are submitting a dispute for me.

I don’t know what the chances are that I will be denied. But I’m curious what people do in these cases? He’s a newborn and has to have coverage. My husband and I make too much money for any assistance programs.

I’m so lost.

Daddy had Medicare, Humana, and TriCare for Life. It’s taken forever to sort through all of the bills and insurances for the hospital, services, rehab, etc…

For this one, I had send TriCare copies of the will showing me as executor just to get them to talk to me and explain why they aren’t covering it. Turns out AMR never sent them an EOB from
Medicare, only Humana. So, they need that to pay the bill. Called AMR back today and they say they already sent it to collections and it’s out of their hands. (They transferred me to the collections company, so they clearly can communicate with them.)

Collections says they don’t deal with insurance, I should just pay it. I said no, because we do not actually owe this money. The lady said all she can do is mark him as deceased. What does that even mean? Who do I fight with now, or do I just stick my head in the sand, let it ride, and move on to the next problem?

I'm just hoping for any sort of insight on what I need to be doing.

I got bit by a stray cat in June walking in my neighborhood, being dumb and reaching to pet it too quickly. There is no owner, it's lived in the neighborhood for years just roaming. I wasn't at my house or anyone else's, I wasn't in my car or anyone else's, I wasn't at work or on any sort of occupational clock. I went to the hospital, had an X-ray done, vaccines updated, antibiotics.

I got a letter from the hospital stating my health insurance, Highmark Anthem BCBS, denied the claim and I needed to contact them. I contacted them, and the denial states "We do not pay for services paid or able to be paid by an automobile insurance plan." I explained there's no car involved, it was a cat bite while walking. The representative said that I would need to have the provider submit the claim again with a code that does not reflect an accident.

I called the provider, their claims department says it's clearly noted as a cat bite, right hand open bite wound, she doesn't see any reason it would be coded as an accident. The provider said they got a denial stating an occupational or automobile accident investigation was initiated by the health insurance company.

I called my insurance back and the new representative asked me if I have automobile insurance. I said yes, but again stressed that I wasn't in a car, I wasn't driving, I wasn't even near a car. He says he does see that it's labeled as an animal bite on the right hand. The representative put me on hold and then said that they cannot tell me what needs to be changed by the provider because it could "be considered fraudulent to tell the provider what to submit" but something on the claim is causing that denial.

Is there some loophole this type of incident falls into where it should be covered by another type of insurance? I don't feel like there's anyone to blame (besides me) for a stray animal on a public street, and I really don't understand how or why my automobile insurance would be involved? I did have an automobile accident in May where I wasn't at fault and had no injuries, no medical visits, just a paid claim by the other party's auto insurance for the slight damage on my car. Could this be triggering some "Maybe this is related to the car accident" investigation?

If there's missing information that could give some clues as to what's happening or what I should do next, I'm happy to provide it.

I’m self employed looking at the Colorado marketplace because I need health insurance. The cheapest plan is ~$330/month premium. There’s a $7,500-$8,500 deductible depending on plan. But only 20% coinsurance until you reach the $9,200 out of pocket max. Does this mean only 20% of services are covered even if I reach my $7,500 deductible? And then 100% is finally covered after reaching $9,200 out of pocket max?

I don’t understand who has an extra $9,200/yr lying around until insurance finally fully kicks in. PLUS $4k/yr just for the premiums… that’s around $13k/yr before I can fully use the healthcare.

I have a lot of health issues and I’m panicking. We were going to add me to my partner’s healthcare since their job accepts domestic partners. But I just learned about the imputed income and how they tax the premiums, and am worried it will be just as expensive as private. I’m not ready to get married but worried I don’t have any other choice.

I’m going to talk to a healthcare broker to see if there’s other options. But realistically, is anyone actually affording this, and how? *I don’t qualify for subsidies

When I have contacted my insurance company for issues with claim processing, they have asked me to participate in a questionnaire regarding my mental health (i.e. if I have experienced suicidal ideation and, if so, how often).

What is the purpose of this? It feels wildly inappropriate, and I have relayed as much. Any insight is appreciated.

Edit: As tagged in the post, I am referring to Health Insurance.

Reading comprehension and deductive reasoning are life-long skills, people! I would be glad
to host a refresher zoom class for anyone interested.

My family friend is an immigrant to the U.S. who arrived over 15 years ago, and has spent the subsequent years living with her extended family. She is practically my grandmother and helped take care of in the past. As the years have gone by, her health issues have progressed, and Medicaid has not been sufficient for her. Unfortunately, her current income is nearly $0 and she doesn't count as an insurance claimant for the household she lives with, so access to insurance that way is null. I am 18 and I don't have much experience finding insurance yet, but is there any way for me to find insurance plans that will fit her? I plan on paying in full for any insurance I can find her. Does anyone have advice for where I can look?

Apologies for the length of this story…I want to include as much detail into this nightmare as possible, so that no one ever has to go through this like I am.

I got notice through my employer that they would reimburse me for my insurance premiums, and at the same time I was receiving notifications about the enrollment period ending very soon.

Hurriedly, I went on the government healthcare marketplace website and the website wasn’t working very well or loading properly.

I had heard good things about Blue Cross Blue Shield so I googled their name to contact them and see what services and premiums they offered. At least…that was my intention and what I thought I was doing.

Upon calling the customer service number, a friendly woman who claimed her name was Amy went over BCBS plans with me, and then offered me a plan for $189 a month including dental for $29 a month. She used a website called “healthsherpa” and had these 2 policies in a cart on the website. Unsure, I asked if I could call back after doing some shopping when I made a decision. She sent a link to the page in my email, and just told me to give them a call back when I made up my mind.

After a few hours, I visited the website again, and in my cart…the prices had gone up to $290 + $30 for dental. I called them back…extremely confused…and got a male sales rep. He claimed “since it’s the last few days of open enrollment, prices are skyrocketing, but I think I can maybe get you a better deal than your cart is showing”.

He said something along the lines of “it looks like we can get you set up with a multipoint plan through the network and it should be a little bit cheaper for you”…as if this was a service that BCBS provided. He sent me some documents to sign on a website called “FirstEnroll” and myself thinking this was a BCBS service, I signed and agreed. He claimed there would be a $115 dollar processing fee once I was accepted and that I didn’t have to pay anything else until before the first of next month.

After being approved and providing my card number…all seemed set and I felt proud for purchasing my own insurance for the first time in my life…no idea of the nightmare I had just made for myself!

After the call, I got an email from “Insurance X LLC”…and that was when the red flags started showing! I checked my bank account, and my stomach dropped when I noticed a pending transaction to “FirstEnroll NJ (New Jersey) for $362!

I immediately called back upon reading reviews about this company. Again, I was misled to believe I was purchasing a BCBS insurance plan. When I called the “24/7 hotline” the scam artist had given me, it told me their business hours, and to call back later.

In horror, I rushed to cancel my credit card and reported a fraudulent charge.

I called back the next day within “business hours” I waited on hold for hours…multiple times… before finally getting a person who claimed to cancel my membership. They told me I’d receive an email shortly and an agent would call me back within 2-3 business days. Neither of those things happened.

I called repeatedly for the next few days…the minute I said anything about cancelling, agents either immediately hung up, put me on hold and sent me over to more agents, or just downright lashed out with rude condescending statements as if I was the problem.

After repeating this cycle every day, I eventually got the most rude hateful woman I’ve ever spoken to on the phone. She repeatedly belittled me…when I told them I had contacted the FTC and BBB to file complaints, her response was “I really don’t care”. She claimed “we can’t refund your money until we’ve done an investigation into the employee that sold you a misleading plan, and this could take at least 7-10 business days. She repeatedly spoke over me…yelled at me…and when I told her I was recording the call for evidence and called them out for insurance fraud she said “I don’t consent to you recording our call”. At times she even spoke as though she was doing me a favor and named the other official insurance I had managed to purchase hastily through an actual government website last minute (I’m concerned how they got this information!) and compared it to their “multiplan” to it to tell me how much better of a deal multiplan was. This woman was pure evil…I can only imagine how many people who actually need life saving healthcare get spoken to by this sadistic human being!

During this entire week since this nightmare has unfolded…I’ve received hourly spam calls…nonstop…all from the same company…I answer…they say “we see you’re interested in health insurance…etc…” before I tell them I’ve cancelled and they hang up.

I finally got ahold of who I believe was the hateful woman who’s been answering and belittling me again…I asked for as many details as possible so that I can dispute any and all business with this fraudulent company.

The company she claimed to work for was “Health Registration Center New Jersey”. The plan name I asked them to provide for clarity for was stated as “Private Policy Multiplan”. The confirmation email was from “Insurance X LLC” and “FirstEnroll” was the website in which I signed documents. The employees extension was 101 and she stated her name was “Ally” and wouldn’t provide a last name.

After retracing my internet footsteps to better understand what had gone wrong…I realized that when I googled BCBS…the first result was in fact an imposter site designed to look like a healthcare marketplace. It was a “sponsored” ad on Google, and not the official BCBS website. I’m awestruck how this company paid to get their fraud website to appear as the first result…above legitimate insurance company websites!

I have shut off my debit card and ordered a new one. I filed a dispute minutes after the transaction went through my bank and I am still waiting for any kind of refund on the fraudulent charges. Is there any other things I can do to get these issues sorted out?!! I’m out $362 and now I can’t even afford to pay for the government backed health insurance I purchased through the official marketplace (Ambetter) until I receive the money back that was stolen.

ABSOLUTELY NEVER PURCHASE A MULTIPLAN…it is the most criminal scam ring I’ve ever encountered. Considering all the employees were American, I’m truly confused how a fraud ring of this magnitude can legally do this to people! I’m still out nearly $400 and praying I get my money back.

I am at the point of actually seeking legal action against this company. It should absolutely not be in business!

So on the Fourth of July, about 2 weeks ago I got into a four wheeler accident that left me with a messed up knee. I can bear wait but it’s basically locked in place and I can’t turn without pain. It leads me to believe I have a torn meniscus, but I don’t have insurance as I didn’t sign up in time when I started this job. Would it be worth it to get short term insurance, and trying to get an mri to see what’s going on? Or is it better to wait for my insurance to begin and January and start the process? I know medically asap is better but financially is my issue right now

TLDR: father works in siding construction, has a workers comp insurance and was told his premium increased b/c his annual income increased a bit. He’s never made a claim and has no employees. Has fought with the insurance company over paying 20k+ but now is expected to pay almost 40k - or deal with legal action

Hello, my father is a siding contractor who owns an LLC but works by himself. He’s older and doesn’t use social media so I’m asking this question for him.

He’s had a workers comp insurance with an insurance company for a few years, I honestly don’t have a lot of knowledge about this but based on what I’ve seen online I’m assuming he needs to have it or something.

Basically for a few years he’d pay under 10k for the insurance, but when he started making a little bit more (he doesn’t have a salary, his income/payroll is based on the projects he completes and gets paid for) the insurance company (in his words) said he had to pay them more money, which was now over 10k. He paid it once, but when they tried to raised the premium again (by several thousand dollars) he basically insisted to them that he didn’t want to pay an amount that high and he cancelled the insurance he had with them. Still, they’re saying that he owes them over $30k now.

They’ve pestered him about it since last summer, saying he needed to pay the amount or pay like $3k a month until it was paid off, but he basically kept telling them it wasn’t something he could afford.

Now, I’m guessing the insurance company is working with a law firm, since a law firm sent us a letter saying we have to pay the amount or else they’ll tell their client to “proceed accordingly”.

My father said he’d try to call them today and see if they can reach some sort of settlement, but I’m just struggling to understand why he needs to pay that much if he’s just one worker with no employees. Also I’m assuming he didn’t really understand how this kind of thing works since he doesn’t know a lot about finance and all.

Is there anything he should do? I’m worried he can’t do much since the company is already thinking about legal action. When his salary “increased” he was still only making under 65k so it’s not like he was making an obscene amount of money..

EDIT: More information: we are from the U.S. but are currently living abroad and are on the Cigna International/Global Gold family plan. We use their Scotland-based customer service (their “Worldwide” coverage area). We live in Tunisia and have some US coverage. Baby is born in Tunisia. We are not on an employer plan. We have emailed and called customer service multiple times and have a possible way forward by providing more documentation that the baby is in good health, though in the initial emails they said that would not be possible.

Main question: how do I move forward if they still refuse to add the newborn?

—-

Anyone have advice on next steps?

Our son was born last month, no complications. 9 days after birth he had a virus and had a hospital stay, and is currently all clear and healthy. We just tried to add him to our Cigna health insurance policy yesterday and “the underwriting team” has denied coverage based on health status. We have 1 week to add him in order to file a claim for the costs of the birth, which they’ve told us is not possible, meaning there’s no avenue to cover those costs, and possibly not the hospital stay costs either, as they’ll review the possibility of adding him “sometime next month.”

As you can imagine, this is infuriating. What’s the point of having insurance if it doesn’t cover our biggest expenses? Is there any way to dispute this ASAP so we can file a claim and get coverage for his (expensive) birth costs?

i’m 22 y/o. i have blue cross and blue shield of alabama, not sure about the specifics of the plan and what i need to list or not list here. the plan is probably the lowest tier plan for two people, my mom and i and through her employer.

i desperately need an iron infusion due to pretty bad iron deficiency anemia. they tested my blood and my insurance agreed that they would pay for the lot of it, but only once i meet my deductible, which i will not be meeting.

is there any chance i can call my insurer and appeal this and convince them to cover this anyway? am i just helpless and a slave to my deductible here? feeling a bit hopeless. this treatment could really improve my quality of life, but it’s going to be so hard to afford without insurance helping cover it.

So my aunt recently got diagnosed with stage 3 lung cancer which was so out of the blue because she never smoked a day in her life. Im being serious my family is super religious and they dont even drink. Anyway, since the diagnosis her insurance company has been doing everything but helping instead they’re making it a living hell. My mom has been calling almost every day and the insurance companies literal response is they dont know what happened. From day 1 since my aunt has had issues the insurance company has been denying from PET scans, to CAT scans, to now chemo. Even after the CAT scan showed there was a tumor in her lung, they claimed there was no proof when there literally was photo evidence. My family has been documenting every interaction and calling especially when the insurance company cancels appointments. My aunt has been trying to get on chemo for weeks now and its just been a back n forth game. So to people who work in this industry or know the industry, what are we supposed to do. My mother doesnt want her sister to die. I would think people would understand if their loved one was in the same predicament so why play these awful games. Any advice or tips would be appreciated.

Edit: I wanna thank everyone who has commented so far for actually being kind and sympathetic, i really do appreciate that. I also am glad u all have been able to bear with me as I give as much info as I can, at the end of the day we just want the treatment process to be smooth and easy. This is so new to us so we really dont know if we are missing things, misunderstanding or actually getting screwed over.

So we just got stuck with a $4000 bill for a Dupixent prescription, which was previously free.

We were previously using a local pharmacy, but changed to Amazon pharmacy a couple months ago.

We had the Dupixent Copay program set up, which my understanding is that that gets used to cover any costs that insurance does not, and that is limited to $10,000/year.

The first 2 monthly orders through Amazon looked good to us. Zero cost to us. Set to auto-fill.

Come to find out that behind the scenes, insurance was rejecting the prescription, and the entire cost was falling onto the Dupixent Copay.

Now this 3rd month, there are not sufficient funds in the Copay account, and Amazon charges our backup payment method, my Visa, the entire cost of the prescription. I didn't notice until this morning, when it was out for delivery.

We've spoken to the Dupixent support, Amazon pharmacy support, and the insurance company, and nobody claims the ability to do anything.

What can we do?

Update: 6 weeks later, we were unable to make progress with ExpressScripts making an exception and covering this as out-of-network. They denied it twice. BUT, we heard from Chase that they resolved the dispute in our favor. It's been a few days, and we haven't heard anything from Amazon. We're big-spenders with Amazon, so hopefully this is just the end of it.

My dad's 67, Canadian, and spent the last few years working in Michigan. Had a serious heart issue earlier this year, ended up hospitalized there and eventually moved back to Ontario to recover.

his travel insurer is refusing to cover the hospital bills, citing a pre-existing condition. We're looking at a ridiculous amount of money and honestly freaking out! IDK what to do but we don't have enough money to simply cover that...

Has anyone fought a denial like this?

My question is does a mid level net worth retiree really need LTC Insurance? I am currently retired, live off about $20k+/- a month income with SS and investment income. Will have sufficient funds for expected retirement life per CFP, we analyze it annually. Keep in mind, early into retirement now so lots of travel, that will reduce as I age.
Any rate - on numerous Retirement Reddit posts I always see people asking posters “Do you have LTC?” Like it is the end all be all, equal to do you get a pension? lol! WHY?
While I realize LTC can be 10/15k a month, but my thoughts are that is WAY less than what I spend right now. So is there a sweet spot in mid level net worth that LTC insurance is no longer a need? Now keep in mind I am not a fan of over insurance. I stopped life insurance years ago, as I no longer had anyone dependent on me for their support. Am I missing something about LTC insurance that I don’t understand? PS - NOT anti insurance, just not over insurance.

I have a bisalp surgery scheduled for next Friday (8 days from now) and it was supposed to be completely covered/reimbursed through my health insurance. I have Cigna through my employer in the state of Florida. I have paid for and completed all of the pre ops and appointments out of pocket with the expectation of reimbursement from my doctor's office once the procedure is completely finished. I paid out my new year deductible yesterday to cover the provider fee.

I got the email TODAY that I have been dropped from my employer's insurance for being a few hours short of full time last quarter. I have been assured by my boss that I will get my full time hours by next quarter and I will be re enrolled in our benefits.

I plan on contacting my surgeon and surgery center tomorrow to see if they can push the surgery back 12 weeks or if I'm going to have to start from scratch with the appointments. If they can just push it back then I won't have to worry about trying to get all my money back for a surgery I didn't have yet and reimbursement for the appointments.

I also wanted to know if I was going to have to l go through a waiting period after I got back on my health insurance before I qualified for surgery. I was informed that even if I got enrolled in a private or marketplace plan and had no gap that I would have a waiting period of at least a month. I didn't know if it was the same for insurance I was already on. Finally, I wanted to know how the deductible works. Is it the deductible for the year or am I gonna have to pay out the deductible again once I'm back on the insurance?

Thank you for any help. This is my first time dealing with insurance as an adult and it's been an absolute nightmare and I don't have a ton of people to ask. (I will be calling insurance and doctors tomorrow to get details, I just want to get a gist of what I'm working with).

Recently my mom got bloodwork done and a stomach xray and her total came out to about 100$, and she has no health insurance. I have health insurance and I just went for bloodwork and my bill came out to be 300-400$. How does that make sense

Hi, I (20F) am a part of my parent’s medical insurance (they have Kaiser through their job). I want to seek psychiatric services but I don’t want them to know about it since they won’t be understanding/supportive because they have a traditional perspective on mental health.

I spoke with my school psychiatrist (obviously outside of Kaiser), but in order for me to receive medication he is asking me about my insurance and what privacy information I could withhold from my parents (since I explained the situation to him).

Obviously I’m a legal adult, but I still don’t understand how the specifics work. And yes, I’ve tried to do my own research on it but nothing has helped.

I don’t know what is said on my parent’s EOB, from what I’ve heard it doesn’t get into specifics but I don’t what them to get suspicious in of anything in the first place.
My psychiatrist mentioned changing privacy settings but I don’t even know how that works, and if my parents will be notified and/or see a change in the insurance and get suspicious again.

Can someone please explain to me how this would work and if it’s possible for them to not find out that I’m using their insurance for psychiatric reasons?

This is really important to me and I can’t just “convince them otherwise” for context I have Asian parents and if ykyk

My husband and I have been trying IVF for a while now (unfortunately still no success) and I used up my lifetime max for infertility with my insurance company (Cigna). When I found out I used up the lifetime max I put things on pause, and we started up again because my company switched insurances. I was scheduled for an embryo transfer next month when I suddenly got two doctor’s bills - a 16K bill dated Nov 2023 and a 17K bill dated Jan 2024. Turns out my insurance company paid out claims that equaled to more than the lifetime max, took the money back from the IVF clinic, and now the clinic is charging me. They also won’t perform another embryo transfer until the amount is paid in full, even though I have a completely new insurance with a new lifetime max (so they are going to get paid). My husband and I are so upset, in one day we found out that we have to delay getting pregnant AND we owe 33K.

I know insurance companies can legally retract claims but I’m hoping I have some legal recourse here. I don’t even know where to start, I tried calling a few lawyers that deal with health issues but it seems like they focus more on malpractice, not insurance companies.