My insurance company refuses to pay my hospital emergency room bill saying that it was not an emergency. Can they do this?

 The company must cover any hospital ER bill provided that a prudent lay-person would have considered the incident to be an emergency at the time of the ER admittance.

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Health Insurance Resource Center
Comprehensive health insurance information for consumers
URL: http://www.dfs.ny.gov/insurance/chealth.htm
Contact: Department of Financial Services Consumer Services Bureau
E-mail:consumers@dfs.ny.gov
Phone: (800) 342-3736