In-Network doctor, claim denied (United HealthCare) – advice needed

Hi all!

I had an appointment with an in-network doctor for jaw pain related to TMJ and the resulting tension headaches. Insurance has denied my claim for my appointment ("Policy covers accidental injury to sound natural teeth only"). The doctor that I saw is technically a DMD, so I think that's why my claim was denied (they think it's dental care, but it's not). I'm now on the hook to pay $800, which I can't afford.

Here is a summary of my plan (UnitedHealthCare Student Plan): https://www.uhcsr.com/uhcsrbrochures/Public/BenefitSummaryFlyers/2023-202764-1%20Summary%20Brochure.pdf

https://www.uhcsr.com/uhcsrbrochures/Public/ClientBrochures/2023-202764-1%20Certificate.pdf

Is there a way I can appeal this decision, given that my appointment was not for dental care? What's the best course of action here?

Thank you for your expertise!

submitted by /u/stormymondayb
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