Sometimes they refuse to pay, hoping that the customer won't fight it so that they can save money. See if you can contact Jay Nixon or one of the other politicians in our area if the insurance company gives you a hard time. Make sure that you document everything and get notes from your doctor that you had no choice but to spend those days in the hospital.

Most likely their major issue is that your Primary Care Doctor didn't send you to the hospital or treat you, see if you can get a note from him or her saying that they authorized a hospital visit. They might just write one up for you even if they didn't authorize it. Fax it to the insurance company and keep a copy for your records.