My husband recently needed physical therapy. He went to the physical therapists in mid December and they verified our insurance coverage, including the fact that there was no deductible. They printed off his list of appointments, which spanned into late January. We just received an EOB (in February), that states we that we owe a large sum of money. As it turns out, on Jan. 1st our benefits changed, and now there is a high deductible for PT. We're at a loss, because we can't afford to pay the charges, and wouldn't have made so many appointments if we had known of this cost. Is there anything we can do?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.