Health Insurance?

My mom had her gallbladder taken out few months ago and now she got the bill and her health insurance will not pick any of it up and she owes the hospital five thousand dollars. What is the best health insurance out there? Low monthly payment. My mom is not happy with the insurance company. This is my dads railroad insurance.
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Call the insurance company and inquire as to the reason for rejection, find out why then call your union and ask them for help. If the surgery was determined to be voluntary the insurance company may reject it. How long has your mother had this insurance? If not long (less than 18 months) they may have rejected the claim b/c of waiting periods. Also, was the surgery inpatient or outpatient? If inpatient the hospital may have determined that the surgery could have been performed outpatient and rejecting forthat reason. If inpatient you probably needed pre-admission certification, did she get that with the insurance company? DO you have a referral policy? If yes, the surgery would not be covered unless there was a referral from her primary care physician. Was the providing hospital a member of the participating insruance companies network? IF not they may reject the claim on that basis. You have not gathered all the information yet, and I doubt that you can find a better insurance provider then what you've got with your dads railroad job...I assume it's a union job. You need to call the union and the insurance company and start asking questions. DO NOT PAY ANYONE ANY MONEY until you have a resolution that you're satisfied with. Beware of HIPPA (health insurance patient protection act) in my opinion its just an excuse for the providers (hospital, doctors and insurance company) to be lazy if YOU call you'll get "I cant help you I can only talk to your mom b/c of hippa" SO GET YOUR MOM ON THE PHONE AND HAVE HER AUTHORIZE THEM TO LET YOU HELP and start asking questionsl, like the ones above.
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