Andrea, my best advice to you is to keep a detailed notebook of every EOB[Explaination Of Benefits] that you get in the mail, along with each Dr's statement. We have been fighting with my husband's ins. co. since this started and some of it has been ugly :rolleyes: His ins. company has played games with which Dr's and facilities are "in or out of our network", even tho we had no choice about most of them. They have questioned some of the procedures and some of the billing. You need to establish a good rapport with the billing offices of the Dr's involved, so that if[when] you have a problem with the Ins co., you can communicate with them. Don't throw ANYTHING away- keep a list of all appointments, hospital charges, etc. etc. You probably will not fell like battling this yourself, so get someone in your family to do it for you. Amy