I was in a car accident and went to the ER. I had health insurance and made the co-pay of $50. The total ER bill is $25,000. My health insurance paid about $10,000. The ER now put a lien for $15,000 on my claim against the other driver. Is this legal? Shouldn't the ER just bill my health insurance for the entire amount? Why do I have health insurance? I'm lost. It doesn't seem right that the ER can bill my insurance a lesser amount and then come after me for the balance.
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