My daughter is the one who was in the hospital. There was literally a letter from the insurance company when we got home. They denied the claim as soon as they got it. I'm sure they never even looked at it. My SIL just so happens to be an insurance attorney, so she's going to handle it for us. But most people don't have a SIL who can do that. It makes me sick to think how many people pay tens of thousands of dollars in medical bills that should be covered. It's United Healthcare, BTW, just so everyone knows how much they suck.