<prompt> Human: Hi everyone I had started going to a chiropractor about 7 months ago about neck pain and headaches. When I started my insurance was covering 90 of the cost, at least that is what was explained to me. So I continued going, and fast forward to today I hear from my Chiropractor that every adjustment has been denied and that I may have to pay out of pocket. His explanation was my insurance has a stipulation that I need to be giving at home chiropractic exercises and that because when he told me them it wasnt in writing that my treatment is now being denied. Now Im looking at a 1700 bill that I would have to pay for. Is there anyway to get my insurance to cover this like it was supposed to? Or is this a bill I should take to court because this is the chiropractors mistake? Im just lost as what I should do. I cant just fork out all this money for a mistake that someone else made.  <response>: If it were me, I would: Get a complete copy of the policy. Ask the insurance company to cite the clause in the policy that allows them to deny coverage in this instance. Review their reasoning against the language in the policy, and if you believe the denial is unjustified, contact the office of your states insurance commissioner and ask them how you should proceed.Heres the thing you have to understand: insurance companies are in the business of collecting premiums and denying claims. Its their profit model, and so long as it remains profitable, theyll keep doing it. But if your particular case is a judgment call, then the more administrative expense they incur, or expect to incur, the closer theyll get to deciding its worth it to just pay the claim.That means you have to demonstrate youre willing to invest more time and effort fighting it than its worth for them to deny it. Keep calling. Take meticulous notes with dates, times and who you talk to. Get them to specify precise details. Ask for the contact information of their legal department so you can pass it to your lawyer this one has been especially effective for me. Follow all the procedures specified by them and the your state insurance commissioner to challenge the denial of a claim through official channels. Throughout it all, always remain polite.They may eventually decide that the resources theyre likely to dedicate responding to you will cost them more than the 1,700.As far as the chiropractor goes, tell him youre going to dispute this with the insurance company and you could use both his support and his patience. Assure him that youll eventually get this resolved, one way or another. If, after really working on it with the insurance company for a few month, you get nowhere, you can go back to the chiropractor and negotiate some kind of discount andor payment plan, but dont mention that to him at the start, or he might feel youre taking advantage of him. 