Am i responsible now??

We have employer insurance and are "preferred" to go to an employer hospital which comes with significant benefits. But we are 1.5hrs from the closest employer hospital. Our local hospital we've used long term is "in network" but comes with higher deductible/coinsurance. My son needed a surgery (non-emergency) and we got our estimate from the hospital and then took that estimate to insurance to ask if it would be better financially to go to an employer hospital. We were told no and proceeded with the surgery. Then got billed for significantly more than anticipated because insurance denied payment. Upon further investigation, they gave us an estimate for an employer hospital. I called the hospital financial office that did the surgery and they said "sorry but that's the information the insurance company gave us". Does insurance have to honor this and cover the mistake? I'm supposed to be getting paperwork that shows what the hospital submitted to them and how this happened. If we had the appropriate estimate originally we would have gone to a different hospital. Just feel so freaking annoyed and angry with healthcare and insurance in general. $4k isn't a big deal to a huge conglomerate healthcare system but it makes a huge difference for a single income family.

submitted by /u/CouldCareLess14
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