You need to hire yourself an attorney, and not every attorney cost money...many attorney's in your area offer pro-bono hours annually, and I would encourage you to look into this. As an insurance adjuster myself, I can assure that there are many circumstances that someones bank statements, credit report, or other financial documentation may come into question. However, as a patient you would know long before they started probing around. If there is money that is owed to you, and you do not claim the money, the money goes to the state...the insurance company does not get to keep the money, it goes to the state as uncollected funds. Each state has a statute of limitations...so I would encourage you to look into this immediately and not to allow your legitimate short term health claim prevent you from collecting what is rightfully yours. The form that they send to you is not even HIPPA Compliant, it doesn't have the patients social security number on it anywhere.
When I spoke to the claims adjuster, I had to practically pull information out them...I was told that I didn't need to complete any forms for them. I got a copy of the medical records today, and sent them in...will be following up daily.