1. Typically, you must receive an explanation of benefits from your insurer after any covered procedure. If the amount covered is insufficient, then you are entitled to appeal the insurer's decision.
2. If you are covered by a managed care plan (e.g., HMO), then billing any amount in excess of your insurance is an illegal "balance billing" under Connecticut law, and you can simply refuse to pay the bill on those grounds.
3. If you can prove that you were misinformed by the hospital staff, then that misrepresentation entitles you to sue for damages or defend in court on grounds of the misrepresentation.
4. If you don't pay, and the bill is sent to a debt collector, you can negotiate for a much lower settlement of the debt, because debt collectors pay only about 5%-10% of the face value of the debt. You can also offer a settlement amount to the hospital. Frequently, they will accept a lesser payment, because insurance would usually cover a much smaller amount than your bill.
5. You can file for bankruptcy protection and completely avoid the debt. This is, admittedly, a drastic option, but I'm including it to be thorough. Sometimes, when medical bills become overwhelming, bankruptcy is the only practical option.
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