ody ody Q: I have been paying monthly for COBRA coverage. I was sent to physical therapy by my doctor, who called the insurance to confirm that I was able to go. His office was told yes, so I went. Now, I have received a bill for all 8 weeks of physical therapy. The bill said that I was not covered. I am trying to get in to see a Orthopedic Surgeon because I have a fracture in my arm. When I went to one that was shown on my “plan” they were told it would not be covered…. So who do I go to?