@jcmoffatt One thing I know for sure. You need a good attorney. Don't worry about the cost. The insurance company will pay the cost of your legal fees. Call Medicare and see what you need to do. If you do not get an attorney, you won't get a D____D thing. When I went through my crap, I mentioned to the insurance company I had contacted an attorney. I had my first check in about ten days. But you won't get a nickel without a good attorney. Especially now.