Insurance companies can be stinky. Understatement. I don't exactly know...when I was inpatient, I was covered under my parents insurance, but even then, I know they footed a large amount of the bill.
I feel you on the insurance. I also have "good" insurance, and they will not cover even THERAPY. JERKS. I don't get it.

I don't have any insight, I am so sorry. but welcome to PC, and i hope you keep posting.