<prompt> Human: Hi guysgals, not sure if I am in the right sub, but I need help. 3 months ago my wife gave birth to my beautiful baby boy. During the delivery process, the delivering doctor stated that the original doctor that was supposed to be here had a heart attack and was unable to make it. Fine, thats cool, as long as my wife is in good hands. 5 minutes later, my son was out, nice and healthy and with no complications. Fast forward to 2 days ago, i get a bill for 1800 stating my insurance is not covering. I called to ask why and they state that the doctor that did the delivery is out of my network...so i told th lady that it wasnt my concern since i wasnt given a choice of the delivering doctor. Also, i was also NOT aware that he wasnt in my network and i wasnt going to stop him while he was delivering my baby and ask him hey dude, just to be sure, youre in my network right?. So in the end, the lady on the phone said i would need to pay because my insurance will not. What can i do?Update: just got off the phone with the insurance company, they asked me to file an appeal and the board will review it. It seems like the insurance company AND the hospital believe I caused the heart attack for the doctor...-_-Update2: Thank you all for for your upmost support and helping me figure out a way around this. I understa,d that 1800 is not alot and I could save myself some time by just paying it but as many US citizens, we are getting by as is. The point is, it was NEVER made clear that he was out of Network and noone ever mentioned it till now. I will file an appeal and also take into account the new law that was passed in NY not too long ago. But i plead to others, save this post. Whether youre an expecting parent or someone who had a routine doctor visit, be aware, this shit happens every fucking day and your insurance that you work so hard to pay, wont give a flying fuck if you get hit with the bill. I will post an update on a later day once I get any confirmation or resolution. : Thank You Reddit  <response>: Its a bit disgusting that weve gotten to the point where a woman is about to have a baby and you have to stop the doctor and say wait, do you accept my insurance? 