I agree with gigirle on both counts.

Sometimes, if you (the customer paying the insurance premiums) calls the insurance company asking why the CT wasn't authorized, you may get a faster answer. When you reach a customer service rep., immediately ask for a supervisor and get first and last name. Get the dates and times the Doc's office tried to contact your insurance company. Do not be surprised if they tell you they never received communication from your Doctor's office (which will not be entered in their computer because they left them on hold and disconnected). Also....do not be surprised if your answer is: "We're not saying you shouldn't have the test, we're just telling you we're not paying for it".

As gigirle also stated, sometimes you have no other choice but to resort using the ER. Problem is, and we're starting to see this more often, if the ER Docs don't think your situation is truly emergent, they will send you home with orders to call your PCP to get the Rx/referral for the CT.

Best of luck getting this settled.