2 Years later and still not paid

I submitted all my gap claim 2 months after my emergency gall bladder removal. Additional info was requested and the was obtained from my doctor and submitted. I then assumed the payment was made as I did not hear back from them and it gets paid into my husbands bank account. After almost 2 years I got an email out of the blue saying "claim rejected is because the claim event was almost two years ago". I've called and emailed and called and emailed only to get asked to email the claim through again and forward my old emails, I've done that x3 times now to only get to chat to a new person each and every time and having to start from scratch again . It seems that the way Stratum avoids payouts is to either ignore or irritate their clients so much that they end up giving up. Your CORE business is to provide gap cover and you will do everything in your power to NOT provide that.