Insurance paid versus contracted amount...

Man, ol' man. Talk about nerve-racking. I received a form letter from my insurance company yesterday afternoon about my hospital bill. It shows a total of $25,681.37 and they were only paying $4543.42! I wigged out- thats $19,231.37 that they were NOT paying. (My insurance is 70/30.) That amount was under "not eligible". HUH??? On the back it read that I owed $1906.58 and continued to say "If the hospital has billed more than $1906.58, you are not obligated to pay the difference." Of course PL&A are not open 24 hours so I would have to wait til this morning to call. I was told that the CONTRACTED amount between PL&A and CHS is $6450.00. They can not charge the insurance company or me anymore than that. So I said "So, the hospital is just going to eat $19,000???" And the reply was "yes". I asked what if they come after me for the 19k and she says they can't. It is a legally binding contract and they already know this and won't come after me for it- only the $1900. I am floored. This is just too good to be true. FOR ANYONE WHO HAS BEEN THROUGH THIS OR WORKS IN THE INSURANCE BUSINESS (or just knows about this), Can the hospital bill me for that 19k??? I am so worried about this that it is making me sick......

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