The rate you saw has been registered as from the first response you have received from the BPG desk. You are protected from price changes.
The rep uses the price that is available WHEN he makes the formal comparison. The price at the time the claimant submits the claim is irrelevant. They has been enough anecdotal evidence on here, that straighforward denials happen within a few hrs, but other denials take serveral days, inbetween times the OTA price has magically changed to make the formal comparison a failure.