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The problem here is that hospitals do not remain under the same management consistently. Apparently I am responsible for knowing when each of the local hospitals changes administrations (because capitalism and they get bought out) and stops or begins accepting my insurance. When I first moved into my house the closest hospital did NOT accept my insurance, last I checked they do, but that was a few years ago, so who knows now. The hospital closest to me has changed names 3 times in the last 15 years.
It's ridiculous that in an emergency that "when was the last time we checked to make sure that hospital takes our insurance" is even a question.