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INSURANCE COMPANY REFUSES TO PAY YOUR MEDICAL CLAIMS. Reporter: WHEN IT CAME TIME TO LOOK FOR A MEDICAL PROVIDER, ALYSSA NEWMAN MADE SURE THAT SHE DID EVERYTHING RIGHT. SHE LOGGED ON TO HER INSURANCE COMPANYS WEB ITD SO, WEBSITE, PICKED A PRIOR. BUT A FEW MONTHS LATER, SHE GOT A LETTER DENYING HER CLAIM SAYING THAT MEDICAL PRIOR SHE CHOSE WAS OUT OF NETWORK. NOW SHE WAS ON THE HOOK FOR A MEDICAL BILL IN THE THOUSANDS. I ASSUMED IT WAS A COMPUTER GLITCH. Reporter: BUT THE INSURANCE COMPANY KEPT INSISTING THAT THE MEDICAL PROVIDER WAS OUT OF NETWORK AND CALLING THE INSURER TO COMPLAIN WAS USELESS. I HAD ONE PERSON TELL ME, OH, THAT NETWORK IS IN THE NETWORK IN MY SYSTEM BUT NO HUMAN PERSON THAT I SPOKE WITH HAD THE AUTHORITY TO OVERTURN A DENIAL. Reporter: AND WHEN SHE APPEALED THE DECISION, IT WAS STILL DENIED. ALL IT SAID WAS THIS PROVIDER IS OUT OF NETWORK, CLAIM IS DENIED. SO CLEARLY A HUMAN HAD NOT READ MY APPEAL OR LOOKED AT ANY OF THE EVIDEN