I did have the experience of insurance making mistake. They told me my pdoc may not be covered anymore. When I spoke to his receptionist I was told this was not true and not to worry. I got a letter from the insurance co the other day acknowledging the mistake. I was relieved because like you I knew it would be a lot of money and likely be a strain on my home life. Hopefully it will end up a non issue for you or if it is, you can work something out with your T. Either way, I do know how hard it is to have to worry about this stuff.