You said
>Since then kid themselves also had an ambulance ride (seizure), and that too was "out of networking" in spite of being the only ambulance provider available within 15+ minutes.
That's the illegal part.
>Since then kid themselves also had an ambulance ride (seizure), and that too was "out of networking" in spite of being the only ambulance provider available within 15+ minutes.
That's the illegal part.
The $1,500+ ambulance bill still existed, I still paid it, and my kid wasn't even born until five+ years after the ACA came into force. The insurance company was "nice" enough to let me count it towards my kid's deductible for that year, but I paid every cent.
Stop using "victim blaming" as a way to shut down discourse.
In every country in the world people run scams. Universal healthcare would make these particular kinds of scams a lot harder, but I guarantee you, you could still find this kind of anecdotal evidence of criminal behavior relating to healthcare.
It's possible for the out of network provider to then bill separately from your insurance if they charge more than what your insurance pays out of network providers, but there's no way that's what happened here because $1500 after the out of network fee from the insurance company is far too high for an ambulance trip.