Health Insurance - Ambulance Charge
Hi All, I`m looking for some direction here as I believe my Health Insurance is in the wrong.
Situation;
Few weeks ago, I had to take my son to the ER Hospital (Covered by Insurance) with respiratory issues and there he stayed for few hours and exams were done. Hours later, doctors determined he had to go to a different hospital 40min away (Covered by Insurance) because they said they did not have the respiratory equipment needed to take care of him properly and therefore an ambulance would be called to transport him.
Ambulance called and we went to another hospital where he stayed for two nights. He is good now.
I received a bill for the ambulance charging me over $5000 from the ambulance company - when looking at my insurance website, it showed that the ambulance charge was partially declined because they are out of network.
I`m in a little bit of a situation now and from my perspective, the first hospital should have provided the ambulance that somehow was associated with their system hospital so theoretically would then be covered under insurance I believe. On the other side, the hospital where he went should also have provided a ambulance covered under my insurance.
I think my biggest issue here and struggle going through my thoughts is the fact that I purposely took my son to a hospital I knew it was covered under insurance and somehow I end up with one of their services going to a out of network provider that now is charging me an amount that I cant seem to believe.
Before I open a dispute with my insurance, I wanted to double check my thoughts and own logic with you all.
Am I totally wrong? Do I have a case? How should I dispute this charge with my health insurance?
I appreciate your help.
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