<prompt> Human: Im not sure if this is the correct place to ask, if not, I do apologize.nbsp;Back in November, my daughter started getting hives very badly. One day, they were on her feet. The next day they were on her legs. Then, on Thanksgiving day, the spread from her waist up her torso, neck, and were beginning to develop on her face. nbsp;Needless to say, we freaked out and took her to the ER. After running a test I dont know which one, they called it an allergic reaction and gave her a shot, prednisone I believe. nbsp;Later on in December, we get a bill in the mail like I we were told for some 5000. I called the ER and they stated that the Doc determined it wasnt emergent, and so insurance wouldnt pay. I contacted the insurance agency and they wouldnt budge, believing the doctors analysis over my explanation. nbsp;I went to the doctor earlier this week for an unrelated issue and was informed that my HRA was maxed. The ER filed it on my insurance this year, drained it, and still want over 3500. nbsp;I feel like Ive paid them all that they deserve, and since were now in May, its been sent to collections. Any advice would be greatly appreciated. Also, this is in Texas if it makes much difference.  <response>: Squeaky wheel. Squeak enough and theyll shift the cost on to someone less noisy. Im referring to your insurance. 