I thought I was the only one in Insurance Hell! I was given an authorization number for my surgery in December and have since been receiving bills because Humana has denied the claim. Humana states that weight loss surgery was not a covered expense even though there was an obesity rider and they authorized it. After about 20 very long calls to everyone at Humana (customer service, managers, appeals department, etc.) I went to the HR department at my husbands work and explained the situation to them. They got the Humana agent for his company (he works for a City) involved and I have had several conversations with her. I even stated that I would get an attorney if needed, but I was not paying. Through all this, I had the hospital collections department and my surgeons office calling for payment. Bottom line the claim is being paid and the reason it was denied is because they changed systems and the riders did not carry over on the policies??????? A bunch of crap as far as I am concerned - I think they just deny the claims hoping people will give up and pay so they don't have to!!
DO NOT give up. Keep fighting and get as many people as you can involved. Speak with the agent in charge of your policy and make sure that you document and have copies of everything!! I was also told not to pay a dime because then you were admitting that you were responsible for the payment. (I'm not sure it that is true but I wasn't taking any chances in having to pay a $14,000 bill!!).
Good luck and let us know how it works out.