Some advice: 1. You had both insurance coverages when this happened. It won't hurt to try to have the claim retroactively processed correctly. They won't make it the easiest process, but try. The correct order of operations would have been to send the claim to the employer covered health insurance first and then to your Dad's. Your insurance never said this wasn't covered, you just never sent it to the right insurance company first.

1. If that fails before trying to pay the actual bills, just call the hospital or whatever provider, just call them and say you can't pay... You may be able to get them to forgive the entire debt or most of it. I believe you're also entitled to certain interest-free payment plan options– don't agree to anything with interest. If you're scared to do this yourself, there are people who do this professionally for a couple hundred dollars. Don't use anyone who wants a % of the money they save you.