Start at the top and I bet the problem is fixed before you get to people making $140k.

Find Out Why Health Insurance Denied Your Claim You likely have the right to access records that explain why your insurer denied your claim or prior authorization request. Use ProPublica’s free tool to generate a letter requesting your claim file f...

I don't know who needs to know this, but Pro Publica has an online thing that will format a letter to your US health insurance company to demand the records behind a claim denial. (which the insurance is then legally required to provide in most cases)

projects.propublica.org/claimfile/