[DuncanWaring]

...got a bill from my insurance for $12,500 as all my responsibility. Was between jobs and it turned out that I WAS covered by insurance by a day! Now the insurance “re-figures” the bill and only asks for $1500!

Where's the problem?

When you were thought to be uninsured, the entire bill was your responsibility.

When it was determined you actually were insured, you owed the $1500 deductible.

How much did the insurance pay the hospital on your behalf?

I don't see how this is "complete crap".

[clippedwing]

Because the insurance company (or hospital, rather) said the total cost of the care was 12,500 for me to pay without insurance.

When it was determined that there was insurance coverage they ‘re-calculated’ how much it ‘really’ costs and it was 1,500.

It has something to do with the Hospital having a ‘contract’ with the insurance company...some kind of ‘agreement’ that adjusts how much any procedure can cost.

Now, I call that CRAP.