Overpaid hospital. What should I do?

In the past month this happened to me in the following order: got an MRI, went to about 4 doctor's appointments, taken to the ER with an ambulance, got spine surgery, went to other additional doctors appointments. All of these things were approved by my health insurance.

My insurance out of pocket maximum is 6,600. When I went to the ER, two days prior to my surgery, I paid a $400 copayment. The day before my surgery I was charged 6,600, which I immediately paid; I urgently needed surgery and I was in extreme pain so I did not even thought about it and put the payment on my credit card.

I am now being billed by the hospital another $600 for the MRI, and another $97 bucks for the appointments. Today I received the ambulance bill for about $3k which when you think about it, it is really stupid that a 10-minute ambulance ride can cost that much. Up to this point I have already paid $7,000. Please note that my out of pocket maximum is $6,600.

I called the hospital and tried to explain the situation to their billing department and I was mistreated and yelled at. I was treated like if I was a criminal.

I called my insurance company to find out what the hell is going on and they said that they still have not processed the surgery claim so they are not even able to see it in their system.

What should I do with all of these bills that I am still receiving, even after already paying my out of pocket maximum?

I don't want to pay these bills and then have to ask the hospital to refund me the overpaid amount, given how bad they have treated me when I called their billing department. It speaks very bad of them.

The insurance company is UHC and the hospital name is RUSH here in Chicago.

I would really appreciate your advice!

submitted by /u/Acklza
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