Just Venting About My Health Insurance

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I gave birth to my daughter 8 weeks ago. When I got to the hospital my OB called for an xray for me because I was very sick and had a terrible cough. Come to find out I had pneumonia. We went ahead with the scheduled c-section because I just happened to start to go into labor that morning as anyway so even if we had decided to wait the chances that I would have been back in there that night were pretty good. So after I had my daughter my OB sent a doctor in to see me about the pneumonia. He saw me 3 times while I was in the hospital and all he did was listen to me breath with his little stethoscope and gave me antibiotics just for the time I was in the hospital. After I left the hospital my OB prescribed further antibiotics. So I just got a letter in the mail from my insurance company regarding these charges. It isn't very clear, but it looks like it is saying that the charges have been denied because I did not have a referral from my primary care doctor to be seen by this other doctor. WHAT? Are they kidding? My OB is on my insurance and I was under HIS care while I was in the hospital so anything that he ordered should have been covered. At least that is how I feel it should work. Also, if I do have to pay out of pocket for this, it's going to cost me over $800 JUST because the doctor listened to me breath a few times and gave me 3 1/2 days worth of antibiotics. This is all so ridiculous to me. I'm just aggravated right now and it is too late to call anybody about it so I needed to vent. Anybody else had any issues like this before?