Confused about ER bill

Last Monday I had an emergency allergic reaction. I didn’t know I had any allergies, but I was going into anaphylaxis and went to my nearest hospital ER. Once I got there, they put me on fluids, steroids, Benadryl and gave me a shot of epinephrine and after a couple hours of observation I was able to go.

My insurance policy says my emergency room copay is $150, waived if admitted to the hospital. I never left the ER area for additional care.

But today I get an email from BCBS with a claim notification saying I am responsible for $2100. I’ve seen the visit summary and the doctor noted twice that emergency treatment was necessary so it’s not like I should’ve been denied coverage. It also doesn’t show any in-network discount applied when I know the hospital accepts BCBS.

I didn’t really have a choice in going to the ER, but I thought given my plan I’d be on the hook for $150. This $2100 is really unexpected. What does the ER copay cover if they’re going to charge to my deductible anyway?! Am I missing something?

submitted by /u/kes1992
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