(NBC News) – His doctors recommended that he start an intensive rehab program within days of his stroke.

“Almost immediately they started telling me that the No. 1 most important thing now is to as quickly as possible get me into what they call acute rehab,” said Karadell, 58, of Howell, Michigan. “They used words like, ‘This is crucial. This is essential to your recovery.’”

But after 11 days in a hospital bed with no word on when he’d be transferred to the facility, Karadell said he learned his health insurer, Aetna, had denied coverage for what’s known as acute post-stroke rehabilitation.

What followed was a weekslong back-and-forth between Aetna and the hospital, University Hospital in Ann Arbor — including phone calls, bureaucratic delays and miscommunication, according to a Michigan Medicine spokesperson, an Aetna spokesperson and hospital case notes reviewed by NBC News. (Read More)