The problem we have is that we did not know that the hospital was out-of-network for mental health issues. The hospital was in network for regular medical. It was an emergency admission. The insurance company told the hospital that they were not in-network and they would move the patient to an in-network hospital. the hospital failed to tell us (I think on purpose -- they are in the red). The insurance company tried to negotiate with them for a one-time contract -- the hospital refused. They want the full amount. We would have to pay over 5,000 just for the hospital and none of the doctors we learned are in-network either -- another 3,000. Can anyone offer any advice. And we are still paying for therapy on a weekly basis. All this is just too much!!!