Hey all, well to make a long story short, a few weeks ago I "overdosed" on GHB and my girl found me unrespective but breathing. She didn't know what was going on and couldn't wake me after like 15 minutes and my pupil;s were tiny pins so she assueed, given my history, it could be an opiate OD and called 911. Paramedics and cops showed up, they gave me a shot of narcan, and I started to come to, I was super confused. I had no idea what happened or what day it was or my address or anything, so they said, despite my girl saying she thought I was making improvement and would be fine, that it was policy for them to take me into the ER.
So they did... gave me an IV, fluids, kept trying to get info out of me. At the hospital I kept saying I didn't remember taking any drugs (I didn't at that point) so they gave me a CT scan and blood work and a urine screen. I came to pretty quickly though as GHB is short-acting, and was coherent again. Called my girl, she had called some friends, and they told her probably GHB, and when she said that I rememebred. I had already talkeed to the first doctor and I got someone's attention andf said I know what happened, I feel better and I'm ready to leave. No one tried to tell me to stay, another doctor came in and lectured me a bit and I told him I remembered I had taken GHB, which he did not seem to write down or anything. Then I signed some discharge papers (no one was saying I left against medical advice or anything, at least not to my face). Then my friend picked me up and I went home and was fine.
Then a week later I saw in my health insurance that my insurance got charged $5000 for the ER visit (and only $90, separately, for the CT scan). So $5k for a narcan shot, 15 minute ambulance ride, blood test and urine screen, and 2 doctors lecturing me. Jesus christ wtf is wrong with America's health system? Anyway... fast forward to today, I got a voice mail from my health insurance company just saying to call them back. Clearly it's about the ER visit. I got nervous about it since it was an OD, and started looking things up and finding out that some health insurers are denying coverage for ER visits if, after the fact, the ER visit was deemed medically unnecessary. Now I think mine was absolutely medically unnecessary. But, they also gave me narcan and forced my girlfriend to let them take me to the hospital. I'm afraid of being on the hook for $5,000, whereas if they do cover it, I will only owe $400 (my deductible).
Does anyone have experience with this sort of dilemma? I want to be informed before I call the insurance company back. I'm not sure whether them knowing it's an OD would make them not cover me? Or would they consider it medically unnecessary based on certain factors? How much do they already know (I imagine not a lot due to patient confidentiality... so how I frame the story might determine whether they cover this or not)?
I just really don't want to get fucked and owe 5 grand for basically nothing. I'm grateful to them for responding, and my girl did the responsible thing. They were just doing their job, what I am sketched out about is the insurance company trying to screw me (and the fact that the hospital could somehow get away with charging 5 thousand dollars for this). I've never had to use my health insurance one time besides routine doctor visits in 15 years of having it, but I am going into this assuming they're going to try to weasel out of paying and I want to be prepared.
Thanks
) at 50% usually. 
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