Advice Needed - Michigan Ground Ambulance Surprise Bill - Please!
My son had an emergency situation last year in May 2025 where he had to get a ground ambulance ride to the children's hospital in GR. As far as I knew, everything had been covered by insurance as expected. Fast forward to last month - I received a bill for almost $1k from the ambulance company that the 911 dispatcher sent. I made calls - they said the insurance company didn't pay enough, that they were 'out of network' and I owe the balance. My insurance EOB for this claim shows they paid a partial payment ($579 of a $1,550 bill) and they show no charges denied. WTH. So I can't appeal if there was no denial?? They obviously denied to pay a huge chunk of change - how can they do that? And my research is telling me that ground ambulance rides are not included in Michigan surprise billing protections?! Am I just f*cked? I filed a grievance with my insurance and that went nowhere. Am I missing something? I can't afford to lose $1k rn with these gas prices. Any insight is much appreciated.