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On a road trip, got food poisoning so bad that I couldn't eat for 5 days, barely kept fluids down and was so weak that walking into an appointment, the doctor told me to go to urgent care.
They gave me an IV, did an ultrasound, and gave me some anti-nausea and anti-diarrhea meds, which barely helped. It still took 3 or 4 days before I started feeling better.
Insurance comes back with a 5K bill. They claimed that even though I had my regular prescriptions go through both before and after the trip, the trip claim itself was denied because it was "during a time when I did not have coverage".
Took several months and phone calls of pointing out the before/after is approved without questions so there's no way to claim I wasn't covered during this one week. Every human I spoke to agreed with me, but it still took months.