Question about a health insurance claim?

I got new health insurance about a year and a half ago when I started a new job. I was sent a dental card and a medical card in the mail not a vision card. Turns out that was by mistake, I was supposed to get a vision card too (doesn't make sense, why not just give me one card!). Anyway, I have a medical condition with my eyes and I guess growing up my parents would put some of my eye exams under medical not vision coverage. I went in to get a check up at my eye doctor. I hand them my insurance card and they ask for my vision card...immediately I'm confused because I know I have the vision insurance but didn't know I had to give them a separate card. So I proceed to explain that growing up sometimes due to medical issues it was billed under medical. They say ok, just send us your vision coverage info later and we will get you squared away. I paid a small fee that day and called the next day to give them all my vision info. Now a month later the doctor sends me a bill? I called and asked and they said the medical coverage denied my claim. I didn't even know how they filed it since I gave them both a medical and a vision card. I called my vision insurer and they said it was the medical people that denied it not them. The vision insurer said tell them to send the claim and we will pay for it all. I call the doctors office to explain and they say they can't send the claim through as a vision claim because they already sent it through as medical. The doctors office said they cannot and will not, they aren't allowed they tell me I call the insurer to tell them this. The insurer says that's bogus. They call the doctor and request them to file a claim. The doctor tells them they can't file the claim as vision because it was a medical procedure? I just had a routine eye exam and a refraction. That's what I got and that's what the doctor told me to tell my insurer. Now when the insurer calls and asks they say otherwise. The bill the Dr sent me has no codes or info explaining what the charges are for, it just lists insurance companies and dollar amounts. I'm going to request a more detailed bill. The secretaries haven't been helpful or nice. I don't see what's going on. I mean I have the insurance why can't they just file it? Why would they just start doing procedures on me without my consent? If they preformed something other than a general eye exam I should have to agree to it first. Any advice?
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the provider does NOT have to bill any insurance for you. it is a courtesy. call the doctors office and request a copy of the actual bill. send it to the vision carrier.
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