Insurance for ER visit

So we thought my kiddo swallowed a button battery and went to the ER last month. Turns out they didn't, thank goodness, but when I checked the insurance claim after it finally processed it came back that it had a comment on it:

Charges ineligible based on the exclusions outlined in your benefit plan.

I'm not sure what this means and am panicking because while they shaved down the bill it's still sitting at $1900 and they didn't pull any from the HRA I have from my employer to cover it and paid nothing to the hospital, so im on the hook for the $1900. Normally there's a $1000 amount in the HRA to cover stuff like this.

Now the listing on the claim says ER visit non emergency, but prior to going to the ER I called the urgent care and they said they wouldn't take us because it was a button battery and we absolutely needed to go the ER. I have Meritain. Anyone have any insight?

submitted by /u/TimePatient7769
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