Yep, I got stuck with a $1000 ER bill because the insurance company decided I wasn't experiencing an emergency and covered me at a reduced rate of 80% or some s

Yep, I got stuck with a $1000 ER bill because the insurance company decided I wasn't experiencing an emergency and covered me at a reduced rate of 80% or some such. Despite the fact that I was admonished by both the doctor and the nurses for not calling 911 (I was basically unable to stand/walk and somebody else drove me). This was the one time I had zero wait time when walking into the ER. The staff took one look at me when I staggered in (holding a spent epi-pen), shoved me into a weelchair and wheeled me into the back. It was apparently coded as allergic reaction, non-emergency. No amount of arguing with either the insurance company or the hospital rectified it, so I ended up paying. In the end turns out it wasn't an allergic reaction at all, I had undiagnosed asthma (finally figured that out about a year after this incident - had to go through many different doctors until I found someone competent), fun!