How very scary for you!! I'm very glad that you went into the ER - That was the best thing you could have done!
The stress test will help to rule out any blockages, though they still may want to either run more tests, or watch you.
I'm not a Dr., and everyone is certainly different, but I've never had a problem with pain when I was breathing in with angina - though I did have that with my GERD (acid reflux) and heartburn one night - woke me out of a dead sleep. The pain is so very similar to angina - I really thought I was having another heart attack and I went into the ER, too. So if they rule out angina and heart problems, this may also give you something else to check into.
I really can't answer your insurance question, but I would suspect being the type of pain it was and the possibility that it could have been your heart...they shouldn't question it too much.
Please let me know what the tests reveal and Good Luck!!
"Because he is he and I am I."......E. V. Lucas
"I Hope You Dance".............LeeAnn Womack
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