On XXXX/XXXX/14 my wife was in XXXX. I had called her insurance company, XXXX XXXX, asking them what I could do. The representative told me to take her to the Emergency Room and not to worry because it would be covered under her plan. 
About a month or two later we started getting notices from the ER billing agency that the insurance company was denying the claims, but no reason was given. 
I kept telling them to please contact the insurance company to get the reason, and regardless, to have the recorded call audited for the representative telling us the service would be covered. I also contacted the insurer to have them audit the call and get this settled. 
No one contacted me back from either the billing agent or the insurer. Next thing we knew we received a letter from a collection agency, Transworld Systems , Inc., that we owed the money, and again, no explanation. 
These calls are recorded for a reason and this was one of them. I was TOLD to take her to the ER and that it would be COVERED. Now, the bill is in our laps and no entity is taking the initiative or responsibility to audit that call.