I also had a hell of a time with credit crap. Still. I had my wisdom teeth pulled. My detal was to cover the "dental part" of it and medical would the rest (cutting into and knocking me out) I also payed 250 prior to the procedur 20% of the total. That should have been refunded to me since the insurance actualy ended up paying all of it. It took forever for the insurance to pay because all the "medical codes" entered by the ortho were wrong. I knew it was covered and was not going to pay. Well they ended up getting it anyways garnishing my pay checks. After a year it was resolved I was refunded my money that was garnished (forget the 250!) Turns out the whole time that the whole thing was covered. The wrong codes were what the problem was. Any ways that crap is still on my record. I wish they could refund me that (and my $250).