Or lack there of? My girlfriend and I are both RN's. I work in a hospital and her in a memory care facility. About a month ago she visited an ER due to some severe abdominal pain she had for approximately 4 days straight and after seeing some unexpected vaginal discharge. A tad bit afraid there was some sort of miscariage. She made sure that this specific hospital was covered by her insurance before she went because there are about 3 hospitals in our area. She was there for about 6 hours, went through an intravaginal ultrasound, ct scan, and had labs drawn. In the end they found nothing and sent her on her way. Within a couple days the symptoms cleared and she was fine. Today she got slapped with a $10,000 ER bill! Does an ER's lack of finding anything exempt an insurance company from paying anything?