health insurance

While I’ve been flirting with death all year, my health insurance declared a particular stay at the hospital "medically unnecessary". The first appeal was denied, would appreciate any help how to navigate this nightmare. Started in Seattle Washington, now I’m in New York. I have a PPO.

In-network doctor purposely charges patients for noncovered charges at each appointment to get more money. Forces patients to sign form agreeing to this charge in order to be seen.