Insurance representative misquoted me and I gave birth at out of network hospital because of it.

I gave birth to my first baby in February. I found out in March the hospital was out of network and I have a $32k bill for myself and $10k bill for baby. This was a major surprise to me because I called my insurance provider during pregnancy and my insurance MISQUOTED me and told me the hospital was in network mistakenly. I had unexpected services (OR and ICU stay) due to complications and my services were medically necessary to save my life. I submitted an appeal requesting they cover everything as if I was at an in network hospital. I included a letter from my provider and everything. They even have the recording of the phone call I was misquoted and confirmed they told me wrong, but they denied my appeal and will only pay what they would normally pay an in network hospital which is just a fraction of the bill. I’m left with 22k for myself and 10k for baby. Since I was misquoted by my actual insurance company, and some of the services I received were emergent and medically necessary, could any laws protect me if I pursued this further and got a lawyer?? I did my due dilligence and called insurance to verify my benefits before giving birth but my insurance failed me and I believe they should be responsible for the balance billing.

submitted by /u/robemira
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