BCBSM gave all kinds of reasons to not pay a covered physical therapy service obtained at a in network provider because I paid the provider first and submitted the claim to BCBSM instead of the provider submitting directly. Included in the reasons: not a covered benefit (it was), the provider out of network (it wasn't), not prescribed by a covered doctor (it was), you submitted directly so your claim goes to out of network deductible....and a few more. I spent an extensive amount of time on the phone and emailing and submitting documentation and the first line people all seem to think I'm right and then it is denied again. UGH