I'm in NYC. My daughter was born with a minor ear defect that needed correction. The specialist that the hospital referred us to told us that the insurance we get from my job won't cover the procedure, and that we shouldn't add our daughter to the plan. He instead recommended getting NY Child Health Plus, which we did (I believe we hit the highest premium, maybe $200 a month). Once the specialist verified that the insurance was correctly set up, he performed the procedure, and everything went well. Fast forward 6 months, and we receive a bill for $20k from the specialist for the procedure. When we called the office we were told that NY Child Health Plus denied the claim, saying that my daughter was covered under my insurance from work, and was therefore ineligible for NY Child Health Plus. We had never registered her for that insurance, and after months of getting bounced around from work's insurance company, my HR, and Child Health Plus, the best understanding I have is that my company / insurance company (still not sure which) auto-enrolled my daughter as soon as she was born without receiving consent from us, or informing us. They say it is policy to do this, and there's nothing they can do about Child Health Plus not covering my daughter because of that. They also say they will not pay out the claim because they don't cover the procedure, and in any case we would have needed to file a claim within 6 weeks of the procedure to even be considered (despite us not knowing that she had coverage with them). Child Health Plus says they aren't allowed to provide coverage if other coverage is present (this is the only information I've been able to verify is true), and they can't help because from their perspective this is a problem my job's insurance should be handling. My daugher is now 18 months old. My HR stopped responding to me months ago, and the emails I've written to my manager, and up their chain of managers has gone unanswered. The rate of collection calls and letter is going up. I'm pissed and worried about whether this will affect my credit. Anyone have any ideas or advice?