My insurance co is denying the claim?

My wife recently gave birth a baby girl. During the pregnancy she had gestational diabetes. her doctor refered her to have extra care to some diabetic management co. I called up my insurance and the operator on the other end said we are covered. Now I got a bill of $1552 which says It was not covered. How do I make sure I can get the coverage ?

also, I want to know if I don't pay the bill what are the consequences

The FIRST thing to do is to have them resubmit the bill. Oftentimes the bill will get sent out as 'denied' by mistake (well, they say it's a mistake). Send it back and wait to get it again. That solves the problem a lot of the time.

The second step (if you get it back) is to ask for a clarification--ask them to explain in writing why it is not being covered, and which specific part of your policy excludes it. Lots of times they don't know their own policies that well.

Third step (if they answer with an explanation) is to get a copy of your policy and start going through it.

It happens a lot that someone's claim will be denied when it shouldn't be. Send it back to them and make sure it wasn't just a mistake, and then start questioning it. You'll go far.