The way to fight the insurance companies is to contest their denials until you win. It will take persistence but they are betting(literally) that you will take no for an answer and quit
And they are right in the majority of the times.
So get that surgery and hash out the rest with the company.
There is a huge monetary incentive for them to deny a claim.
Even if their rate of denied claims is only 10 percent.
That is millions of dollars extra in their pockets.
Just for saying no.
The few that fight it. doesn’t really matter.