I read horror stories about people going to the doctor thinking it's covered by insurance and then getting a surprise $50,000 bill, so I was wondering: is there a way to be absolutely sure your costs are covered?
Something along the lines of:
- I tell some representative of the insurance company "I want procedure x done."
- They tell me in writing "yes procedure x is unambiguously covered and if we're wrong about this you are categorically not liable for the charges."
Does something like this exist?
I ask because I'll often ask at the doctor's office and they'll often give me some weasel word answer ("There's no reason to think it won't be covered...", "You're most likely covered...." ) or they say I am but I worry what liability I'm exposed to if they're wrong.
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