<prompt> Human: Ill try to keep this short. Background: Health insurance covers ambulance service at 100. Bill was 4,377.81 of which insurance paid 3,972.80. Remaining balance of 405.01.Last week I got a letter from the ambulance company trying to collect this remaining balance. I called my insurance and they basically said the ambulance company is trying to bill extra by itemizing charges, so insurer has refused to pay those charges. Today I called the ambulance company and told them to negotiate with the insurance provider, as I am covered at 100. Their basic response was, We tried, they refused to pay, so now you are responsible for the balance. Am I legally responsible for this balance? Is there any way I can get my insurer to pay the remaining balance because my plan includes 100 coverage for ambulance service?  <response>: 100 means 100 of usual and customary fees. If they are charging more than your insurance company thinks are usual and customary they wont cover it. Yes you are responsible. You can attempt to settle for a lower amount, like meeting them halfway. 