Health insurance does not legally have advise members accurately?

I've been trying to get reimbursed for a service from my health insurance company for the past 1.5 years or so. I have been told incorrect information on upward of 15 different interactions. I submitted a grievance form and was following up on it over the phone and a representative of the company informed me that they legally do not have to reimburse members if they were told incorrect information from an employee of the insurance company (for example, this location is in network when it's actually not). Is this correct?

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My appeal has been denied and I'm looking for next steps. I'm aware that I can resubmit another appeal or have it reviewed externally, but I want to know what you guys think. This does not seem accurate because it's insane to me that they can tell you any information they want and the member is the one who gets screwed – they can even lie if they want and there are zero repercussions according to this info.

submitted by /u/Throwaway2398742
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