<prompt> Human: Its a 1200 bill I cant really pay and I have Aetnas best insurance plan through my work. Why in the world would my wife be committed because she was a danger to herself and then this not count as an emergency especially because they wouldnt let me transfer her. She was signed in on a Georgia 1013 so it definitely was an emergency I brought her into the hospital myself, but an ambulance transfered her later while still under a 1013. Do I need to speak with the hospital or my insurance company about this? My insurance already said its simply not covered because it wasnt an emergency, thats what I got from their e-mail response I will be calling soonDo I need the hospital to tell my insurance it was an emergency? Do I tell the hospital Im not paying it? I dont understand anything about insurance. If insurance wont cover it Ive always read theres a way to negotiate with the hospital? If I have to pay out of pocket will it at least count towards my maximum out of pocket?Thanks guys!  <response>: You said your insurance was through your work, is it a self funded policy also known as an ASO plan? If youre not sure either call Aetna customer service or your human resources to find out. If it is, talk to HR about this issue as well. ASO policies mean that your employer is the one actually paying the claims because AETNA pulls the money from an account they establish. Think of Aetna as basically the administrator of what your company decides to go with, they pay based on the rules governing the plan. So by going to HR they should be able to help you get this sorted out by calling the account manager for your companys account. Even if its not an ASO, HR companies calling their account manager can carry a LOT of weight because when it comes down to it, the insurance company wants your company to keep their business with them and not a competitor. -I work for a major insurance company 