My question involves insurance law for the state of: Florida.. I recently received a large hospital bill, my insurance company has not paid it because they are investigating if it is a 'pre existing' condition. I have a group PPO plan and I have been on the plan for around 9 months. I have never received treatment for this injury in the past, but I did not have coverage for 2008-2009. Can they deny my claim as pre-existing? is there anything I can do to insure the investigation come out favorably?? if they do deny me, what recourse do I have??