A few years ago I had an emergency appendectomy. The emergency room is there just to save your life. I had no choice of doctors and the two doctors that were on call were out of network doctors. Empire Blue Cross does not cover that. The bill is for $52,000 and it’s in collections now. I’ll be paying that for the rest of my life. I’m in debt relief for $27,000 and am insolvent. I’m 65 yrs old, get $696 in social security and get food money from my husband. That’s it. He can’t pay any of this either. I can’t seem to post pictures of the bills for some reason but if you send me your email address, I could send you photos of the bills. Would appreciate any help anyone can give me. Thanks and GOD bless, Irene.