How to appeal to insurance company?

My mom had Healthnet for her insurance provider in California. We started our move to Texas in Dec 2005. Mom made her payment in January. They still had their home in California, and it wasn't sold until February. So legally she was still a California resident. At the end of January she told them that she had moving to Texas. They refused her payment saying that she wouldn't be covered in Texas. In February she had emergency surgery. Healthnet paid everything. Then in October 2006 they denied all payments. Mom was supposed to have surgery on the hernia back in California but the doctor kept post poning it. Until finally he just said he wouldn't be able to perform the surgery. That was in January 2006, after she made her paid her insurance. My mom didn't know she had any rights, so she started paying on this $40,000.00 bill. I don't feel like she should be paying this. I have been trying to figure out how to write a letter to appeal it. I just don't know how to go about it.

BEST ANSWER: Try this site where you can compare quotes:INSUREQUOTE.INFO

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