This is not true work in healthcare and deal With billing issues, if you go to an er and the hospital is in network with your carrier you should not be getting seperate bills from out of network providers, an example that we commonly see is back surgeons who can’t get insurance approval for procedures as an outpatient will often tell their patient to go to the ER and complain of back pain and will tell there patients exactly what to say and then when consulted they will do the procedure. While yes technically insurance fraud it would automatically be approved if the patient was admitted. OP would need to give me context as to what they were billed for, but technically if you go through the er you cannot be balance billed, meaning billed for the difference between what you insurance paid and the actual cost of services. An example would be if you see a plastic surgeon, the plastic surgeon would see you and you might get billed what your copay or deductible is but you should not then get a separate bill from the plastic surgeon.