All of them will try to 'not pay' to see if they can get away with it.I had a blue cross plan that never paid a thing until I called them and complained. Then they would say it should have been paid and they went ahead and paid the bill.
A guy that I worked with said he had the same problem so I told him to call them. He did and they paid him back for all their errors.
It costs them nothing to try, and they save megabux when they succeed.
I won't go on a rant about insurance companies (I despise them), because people will think there are 2 @zannej 's here.