<p>Since this involved an emergency while overseas (plus hot-button issues like health care coverage and student loans), another possible resource for guidance on this matter is the local office of your Representative in Congress. It’s a bit hit or miss, but some of these politicians do have excellent constituent services aides. I had a weird insurance denial when I was in college that haunted me for a few years. One phone call from a Congressman’s office to the right person at the insurance company resulted in the problem disappearing.</p>