Insurer told me incorrect information

I am hoping someone here might help me.

I had diagnostic testing done at a facility where my ordering doctor works. Prior to this, I contacted my insurer and was told (verbally) that the facility was a “Tier 1” facility and that I could expect to go there and have my MRI done and not to expect a bill.

Fast forward a few months later and I am now receiving a bill for nearly 2K because in actuality, said facility is a tier 2 facility subject to 750$ deductible and 30% coinsurance. I am obviously upset / angry by this.

I called insurer. I asked for records – they have no record or documentation of my call to them clarifying the costs and coverage prior to my going for the mri.

What recourse do I have here. I am going to submit an appeal, which I am thinking I’ll obviously lose because it’s them who decide it. They have stated I can thereafter submit a second appeal. But that after that, assuming it is denied – I won’t have any more options to fight this.

Surely there must be other options with dealing with these things. State regulator? Help!

submitted by /u/TXHUNTER92
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