My question involves insurance law for the state of: Virginia
My insurance company denied a claim submitted for an operation to place tubes in my son's ears (son was 2 yrs old). Due to frequent ear infections, our doctor said the tubes were necessary to help him. Insurance has paid only $116 of $5,000 in charges.
*Can the insurance company legally deny this claim?
*If the insurance company can legally deny, am I liable for the whole amount billed?
*Can/should I negotiate to pay "legal and customary" amount?
Thanks for any help!