<prompt> Human: My step-mom just called me. She got a letter from our insurance company which stated that they will not be covering any part of my bill from the ER when I had to go in January. They stated that we are only supposed to use the ER in emergency cases where we think that death or seriously bodily injury can occur of we dont go. I went to the ER that night because I woke up in the middle of the night with my stomach burning. Not like heartburn but as if I was being stabbed by a knife that was on fire. About 5 minutes later I had to get out of bed because I felt like I was going to throw up. I vomited so much blood. 6-7 rounds of vomiting, mostly dark red blood. Id say that makes for a life or death emergency. So I woke up my roommate and he took me to the ER. I was in the room for a bit with an IV and then they decided I needed surgery where they put a camera down my throat and into my stomach to check it out and cauterized something in my stomach. How is this not a seemingly life or death emergency?Anyway Im being billed a bit over 21k and Im worried that Ill have to pay it. How do I do it? I dont have that much money laying around. I thought thats what insurance was for... Im at a loss of what to do. Any advice? Please?Im 24m by the way and on my parents insurance plan.  <response>: If you dont get anywhere by appealing, youll want to have your state insurance commissioner look into it. My aunt had to do that after her insurance refused to pay for her sons surgery, after they had issued a prequthorization for it. The commissioner ordered the insurance company to pay it. 