This was my experience as well. I went to the ER with tremendous chest pain, it turns out I have some issue with my ribcage. Not my heart. UHC decided I did not in fact need to see a cardiologist or an ECG since I wasn't having a heart attack and declined to pay for anything.

Multiple attempts on my part to resolve this yielded nothing. I contacted the state of TX, who brought suit against both parties (insurance & service provider). Somehow, the day before the court appearance they all agreed to settle the claim at no cost to me.