Ok, I'm just wondering, because I think the law would firmly be on her side if it happened after the ACA was passed (they can no longer call policies with benefit ceilings as health insurance, you have an out of pocket maximum that is pretty hard set in stone...the dispute would just be in if something was covered at all or not). That still leaves plenty of things wrong with our system, of course.

Are there by chance companies you could pay to do this on your behalf as a service? (get the money owed by insurance) Seems like something ChatGPT would be good at, if this doesn’t already exist, and then the company would charge a small percentage of what they force the insurance company to pay. If ChatGPT can ace the bar exam, you’d think it could devour all the related case law and coverage legalese from your policy, and generate effective legal responses.