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The hospital should bear some responsibility here. The basis for this responsibility is that they are supposed to verify insurance coverage, based on their own policy, in most cases. This is particularly true when an elective surgery is scheduled. The reason is that insurance, even when active, often times will deny coverage on elective surgery. As such, the hospital normally checks extensively with the insurer to make sure coverage will be provided. They recognize that elective surgeries that are not covered frequently result in no payment.
So, the hospital does bear culpability here for not checking on the coverage. If the insurance company did not properly notify you guys of the cancellation before cancelling, they also bear culpability here as well relative to what is owed for the surgery. That is something that needs to be checked on as well...when did they send this notice and how did they send this notice before cancelling the policy.
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