Health Insurance Sucks

Wow .Glad you are ok.
If its like my BS optima plan they probably expected you to call their 24hr nurse/assistance hotline to explain sypmtons and receive permission to proceed while that is last thing on you and your wifes mind.
Went thru similar situation couple of yrs. ago when suddenly started having chest pains and thought big one was hitting.
Wife drove me directly to ER, was admited right away and spent two nights being tested before release.
To my surprise received word my healthcare would not cover because it was deemed not life threatening. That damn near caused me to be readmitted.
Had to explain to optima well god damn it sure felt like it was at the time and they backed off.
Just a shame but they want every cent they can get from the insured, patients be damed to make up for the uninsured even with the Affordable Health Care Act BS.