I agree with perna, totally. It is not up to the hospital to decide who will or will not pay it. That is up to the insurance company and writing a polite but firm letter to them stating in a centred font "To whom it may concern" and then on the next line "Without Prejudice".

Then state your case and you can be assured that they will believe that you have already received legal instruction to ascertain your position. It will help your case even more if you have a letter from the insurance company stating that they have not been billed and so cannot assess the claim.

Best of luck with it, and though it's easy for me to say, please try not to stress as you work your way through this.

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