Need to vent..

[omahaorange]

Unfortunately, you should have checked the policy before the emergency occurred. You can lay this squarely on the hospital. It's not the doctor or the insurance company. For whatever reason (usually the hospital doesn't like the amount of reimbursement) that hospital opted not to accept the insurance. Happened to me a couple years ago. Company switched plans. My doctor accepted the insurance, but the hospital he uses did not.

Double check with the insurance carrier. They may reimburse to you some percentage of the bill for using an out of network provider.