Thanks for using Avvo. I am Mark Britton, the CEO at Avvo. I am also a lawyer. Bc we are receiving so many questions right now, it may take longer for some of our loyal Avvo lawyers to get back to you. In the meantime, I wanted to offer some preliminary help. Please keep in mind that I am not a IL lawyer, and to get a definitive answer on this you should consult a top Avvo-rated lawyer in your area.
It sounds like the confusion comes in bc you assumed it would be "in patient." It sounds like the insurance company is simply following procedure (no matter how frustrating that procedure is). So, your only claim would be against the facility for not properly reporting her care to the insurance agency. I would contact an insurance lawyer to better understand what the facility's reporting obligation is to both insurer and insured. The fact that you were so surprised by the size of the bill is concerning.
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