For 5 months Cigna has said yes, now 3 wks before surgery they say NO..

I need everyones help and suggestions. I am supposed to have my surgery on 4/13 and as far as I knew and Bariatric Treatment Ctr knew, I had been approved since 10/24/00. Although now CIGNA says an approval letter is not a guaranty to pay that Dr. or hospital, but an approval letter just means that they will pay an approved Dr. or hospital. On 3/22 BTC called Cigna to see if there were any expenses that I had to cover and CIGNA said yes all of it. They are claiming that because I am going out of network they will not cover this. They have known since July of 2000 that BTC was out of network and they continually assured me it was covered. If at anytime prior to 12/31/00 they had told me it was not covered I could have switched my insurance plans at work to have it covered. Up to this point CIGNA had been great, now they are just trying to shift the blame to me. They said I was not clear with them when During the numerous times I have spoken with them since July of 2000. They even went over their notes with me and I do not know how much clearer any of this could have been. At no time during the last 8 months has CIGNA said that this would not be approved until yesterday. What can I do? Who can I contact? Any help would be greatly appreciated....

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