My health insurance has denied all my medical claims, i believe there is a major error, what can I do? more info in post.

So i have been with the same insurance company for around 3 years, i found the insurance by doing the application for healthcare online on the official site provided by the U.S. government ( won’t post the site since I’m not sure links are allowed). But anyway this year during the enrollment period our finances changed by quite a bit so we switched our plan within the same company to one that was a bit more affordable, but didn’t seem worse than our previous one.

However the new plan has been hell since the beginning. It’s supposed to have a requirement to have a virtual appointment for your primary care, and any other minor issues you have. A third party online service is provided for this, but it is supposed to be completely free since you’re using virtual appointments.

I currently have 4 denied claims on my account which suggest i owe various doctors’ offices around $1200.

I called the company and the agents on the phone have agreed to appeal all 4 claims, meaning that they didn’t just explain to me why they were denied, but looked through the benefits with me, and agreed that they should not have been denied and felt i had a case for appeal.

According to the first agent on the phone, even in person sick visits are allowed, regardless of the virtual appointment preffered policy, there’s nothing that says i need a referral to see any doctor or healthcare professional, only a referral to see a specialist

So one of these visits was a sick visit because the virtual service appointments were backed up and not available for several days. One was a follow up/ routine with my previous PCP who is in network. And the other two appointments were sick visits with the virtual appointment doctors provided by the insurance (one for me one for my husband).

All of the reasons for denial are “no referral” and “not in network” all of which shouldn’t have needed a referral or are definitely in network the two virtual appointments provided by the insurance are included in those denials.

Where I’m seeking advice is: I’m currently paying around $300 a month for health care i can’t use. I feel i can’t go back to any doctor for fear of racking up more medical bills. The insurance will only process one appeal at a time, each taking 30-45 business days. Meaning it will be the entire year before they are all processed (but I’m mainly concerned about the first two which are most expensive). I want to change insurance but am afraid i will lose access to the appeals processes which i can view online (and also the plan documents, EOB, etc.) if i cancel and therefore be stuck paying the $1200 ish i don’t owe.

Should I cancel anyway and get different insurance, do i still have a right to view my account information on their website if i do? What avenues should I look into on how to get this worked out faster?