Disputing an EOB for mental health coverage– seeking advice.

Hi all,

Well, I'm at my wit's end here. I aged out of my parents' insurance in November and chose a Cigna plan for 2023. I was able to verify coverage for my current specialists and my therapist…or so I thought.

I called up Cigna and the company through which my therapist works and received verification that she was covered. As outlined by my plan, I have a set copay I'm responsible for when the practice is in network. If it's OON, I'm responsible for the deductible.

Today I received my first EOB of the year, outlining that actually, no, the mental health center is not covered, and now I'm responsible for several hundred dollars that I don't currently have.

I have NO IDEA what to do right now. I'm on the phone with Cigna, with a 2 hour wait. Do I call the MH company? My therapist is aware and trying to assist but she's a contractor. I don't understand. I got online confirmation from the company that I have coverage.

What is the best way to go about disputing an EOB? Should I wait for the final bill before I contact anyone? Is it worth disputing? Do I just eat the cost and find another therapist? I just can't figure out how someone who I confirmed was covered is now NOT covered.

submitted by /u/EssentialIntestine
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