<prompt> Human: I got an IUD back in October. It was completely covered by my insurance. Everything was fine until month two, when I started having extreme pain. I went to my doctor who wanted me to get an ultrasound to make sure it hadnt punctured my uterus. Since this falls under contraceptive management and should be covered by my insurance, I thought everything would be payed for. Until I received the bill for 560. The insurance company said they didnt pay because they had found a cyst during the ultrasound, even though the order form from the hospital clearly stated Reason for exam: check IUD placement.I appealed the claim twice. Both times denied and they keep saying it is because they found the cyst. It is so strange that since the radiologist found something they were never told to look for, I now owe 560. I can apply for an external review of the claim, but its getting tricky since the hospital is ready to send me to collections for this bill it has taken my insurance so long to process these appeals that now months have passed. I feel like the insurance company is backing me into a corner, hoping I will cave and just pay the bill. Unfortunately, I am a student and this is not a trivial amount of money.I dont know if I should wait on the external review or if I should try to pay or file a complaint with a government agency about this which I assume will take a long time.  <response>: You should pay the bill AND dispute the insurance company, if you just refuse to pay it will damage your credit, and if you pay and eventually win an appeal the insurance company will reimburse you. If you appeal and lose, not only will you still have to pay, you will also be stuck with penalties and collection fees on top of a ruined credit. 