For the more mature crowd, who might be faced with this dilemma, which seems to be prevalent in the industry, not limited to the one described in the linked article.

It seems that one has to be more informed and certainly more aggressive in pursuing a denial from Insurance companies, and knowing how they base their decisions might give you an insight as to why.

Consider this PSA , no bone to pick with one and or any other medical insurance company as of now.

https://www.propublica.org/article/c...jection-claims