Does Florida’s balance billing protect me if my insurer denies my claim

I 27M, worked out in a gym on Sunday morning, I did some deadlifts, bicep curls, hammer curls. A couple of days later on Wednesday I started feeling sick and dizzy at work. I had minor muscle pains, vertigo and felt generally nauseous with dark yellow Urine. I went home and slept it off. I felt the same way on Thursday, and began feeling much worse during the evening. I got a Covid test and it came out negative. I didn’t have any fever, so I ruled out the flu.

I started Googling my symptoms, and began wondering if I had rhabdomyolysis. I decided to go to an ER since it was already 8PM by then and Urgent care clinics were closed and based on what I read this disorder could damage my kidneys very quickly.

So I went to an Emergency room. They ran my bloodwork and everything came out fine. The doctor felt I was over reacting and gave me a prescription for some muscle relaxant. He said it was likely some minor viral infection and advised me to get some rest and fluids.

I am now scared that my insurer (UHC) might deny my claim, since there was nothing seriously wrong with me. I read about a Florida state law called “Protection from surprise billing and protection from balance billing”. It says that healthcare providers can’t charge someone more than their portion of the copay for medical procedures. But the law doesn’t say much about cases where insurers deny claims, it mostly talks about cases where people are charged out of network rates. Does anyone know if this law keeps me from being charged more than my copay if the insurer refuses to pay?

submitted by /u/Double-Complex-8954
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