Legal Question in Insurance Law in Texas

denied coverage

the insurance co. i am dealing with is based in tx, yet i reside in fl; they denied coverage for anestesia and removal of wisdom teeth even though those procedures are stated as covered in the contract. when should i start seeking legal assistance, and will the ins co still be obligated to pay even after a certain amount of time, it has been 7 months since the date services were rendered, they keep denying the claim over and over without a valid reason (ie: it was denied twice because coverage ended 1/07/04 and that is actually the date my coverage began, then a third denial because ''I was previously sent an explanation as to why this claim is not covered'') I was also told I needed a letter of medical necessity, then a week later they said I didn't need it because the claim would be covered under dental; it went to dental and dental denied it, and sent it back to medical....this is supposed to be one better companies and they have done a horrible job. I don't know what to do to get them to do their jobs right, please help me if you can. thank you.

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