# @matttolbert on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DRxMeZdjhXc
- **Gondola URL:** https://gondola.cc/posts/37508708-matttolbert-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/a079961b39.jpg
- **Posted:** 2025-12-02T17:01:23.000+00:00
- **Account Owner:** Matt Tolbert (@TolbertTweet) — https://gondola.cc/TolbertTweet

## Caption

“It was an automated denial.” 🤖📉

We finally got a Supervisor on the phone regarding our denied $11,000 NICU claim, and the truth came out.

Even though we submitted through their “Global Core” portal... their internal system didn’t mark it as an international claim. So an algorithm automatically denied it for “No Prior Authorization” (on an emergency birth 🙃) without a human ever looking at it.

Joshua refused to let them hang up until we got answers.

His scorched-earth strategy:
1️⃣ The Regulatory Threat: He informed them he is filing a complaint with the New York Department of Financial Services. (This got the Supervisor’s attention immediately).
2️⃣ The “Real Customer” Tactic: Insurance companies don’t care about you. They care about the Employer who pays the premiums. If you are fighting a denial, get your HR/Employer to file a complaint. That hits their bottom line.
3️⃣ The Time Tax: If they are going to waste $11,000 of our money, he is going to waste $11,000 of their time on the phone.

The system is designed to make you give up. We aren’t giving up.

(Also, shoutout to Dario for sleeping through the entire takedown of the US Healthcare system. 😴)

#InsuranceScam #HealthInsurance #NICU #MedicalBilling #NewDad #FinancialTransparency #SystemicFailure #SurrogacyJourney

## Stats

- **Views:** 64,153
- **Likes:** 6,005
- **Shares:** 0
- **Comments:** 139

## Tags

nicu, newdad, insurancescam, systemicfailure, surrogacyjourney, healthinsurance, financialtransparency, medicalbilling

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