That's why I did not carry insurance in trucking because of specifically the insurance company making medical decisions to deny something that doctor and I agree needs to be done.
Fine. Bill me. We will cross that bridge after a 80000 dollar Hip replacement is all done and over with backed by a 10,000 dollar traveling rehab bill combined with another 5000 in associated costs. (Trapeze, walker etc)
And that's exactly what the trauma center would do. Billed me. We paid them. The last time was a bit iffy. A coil went after me after getting loose. I managed to not get mashed but only just.
Trauma center in Chicago racked up a cool 40,000 bill in a few hours before cutting me loose. You would think the dispatcher was the worse hurt from all the screaming he made, as if I am not allowed to seek any kind of medical care at all. F him and the corporate culture that denies drivers the freedom of choosing.