BCBS (Illinois) giving me the runaround. Do I pay the fee and fight it later?

Hey friends.

My surgery is Friday and dealing with insurance has been a major pain in the ass. I believe BCBS IL is one of those who says they fully cover tubal ligations, but not bisalps. I have submitted the codes to them (the common ones in this sub and confirmed by my OBGYN), but they are still saying it shows up as me owing a deductible and co-pay, even though they confirmed that my plan is ACA compliant and sterilization is fully covered.

My OBGYN is telling me her fee for a bisalp on my insurance is $445 (not including surgery center, anesthesia, etc). They are telling me it is due before surgery. Should I pay it now and fight to get it reimbursed later? I mean, I guess it’s my only choice, but still… ugh.

I plan to appeal and have the letter template and all that good stuff, I just really don’t want to pay up front!