Heres the situation. My employer decided to up the rates of the ppo plan so I decided to go back to the hmo plan. My wife was pregnant at the time and the cost for the ppo was 20%. 3 days after the change took into effect my wife was in labor and received an epidermal. Fast forward to now we received the bill and blue cross denied it. The reason being this wasn't pre authorized. It doesn't seem right to me at all. The change took into affect only 3 days so I don't understand how why they would have to authorize this? Isn't an epidermal standard practice these days. Any advice?