Thank you for your question. I look forward to working with you to provide you the information you are seeking.
First of all, regardless of how long the appeals process appears that it will take you, I am afraid you need to follow it for legal purposes. You have to file your appeal and you need to send a letter to the hospital administration that their doctor is refusing to cooperate with the insurance appeal and if your benefits are denied for their doctor's refusal to cooperate with the insurance appeal, then the hospital would be in breach of contract
and you would not owe any bills due because the lack of cooperation on their part is the cause of the non-payment and the legal theory of equitable estoppel prevents them from benefiting from something that they caused.
The way to make the insurance company pay the bills is to follow their appeals process whether you like it or not. Once they have denied all three levels of appeal, then you can sue the insurance company as well for breach of contract. The "Obama Act" has nothing to do in the 7000 pages with making insurance companies pay in these situations I am afraid. Thus, you need to follow the appeal process and put the hospital on notice of their duty to cooperate and pursue the insurer through the appeals.
If the hospital tries to sue, which is the only way for them to do all of the things you have mentioned above and you can prove that the reason they were not paid was because of their own fault and as such their suit should be denied and that is how you stop them from getting a judgment against you and that is the reason for your letter to the hospital to lay the basis for you arguing the hospital has not been paid through their own fault and not your fault.
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