<prompt> Human: Apologies in advance for my bad grammar, not a native English speaker and couldnt sleep due to this problem. Two months ago I had a knee accident in San Francisco and thus was advised by my orthopedic there to get a surgery. I went into the chopping board in San Francisco thinking that my University of CaliforniaUC student health insurance would cover most of it. Yesterday I received letters from the insurance company saying my claims were denied because a referral was not obtained from the Student Health Center. Turned out I must have a referral from one of the health insurance provider before obtaining care. The insurance representative advise me to get a retroactive coverage. What should I do now?  <response>: I feel very badly for you but none of us on here can help you with this issue because we dont work at your university, you need to talk to someone who works in the student health insurance office and see if you can still get the approval you were supposed to get before having the surgery. Also, if they gave you paperwork when you signed up for the student health insurance, you should read it and ask questions if you dont understand what it says so in the future you are clear on how it all works and what you might need to do to be covered. 