This doesn’t contradict your post (and perhaps even reinforces it) but it’s important to note, ambulance rides are required to be covered as in-network by your

This doesn’t contradict your post (and perhaps even reinforces it) but it’s important to note, ambulance rides are required to be covered as in-network by your insurance, though billing you that way isn’t! That is a single ambulance ride should top out your out of pocket coverage on any legal insurance plan. If your bills or insurance say otherwise they are likely paying fast and loose with the rules. As far as your other points, I agree. Carry on.