I got a call today from the EMS service that responded to a 911 call on Oct 7 2011. The night my husband went into cardiac arrest and subsequently died. They originally sent me the entire bill and I informed them that we had perfectly good coverage and to send the bill to United health care. That was in Nov 2011. Today was 6 months later and I got a call asking me to pay a remaining balance of $1700. They couldn't tell me the reason that United had denied the rest of the claim, so I called United and told them it was a 911 call that evening. They told me that the EMS responder was an out of network one. I'm sorry..but in an emergency situation, I wouldn't think to ask the 911 operator if they are an in network ambulance! Who ever heard of such a thing! I don't know who they are going to send out..how can I possibly know? I'm giving my husband CPR and trying to keep him alive..but I'm supposed to find out if they are in network? I've never heard of anything more ridiculous and insensitive in my life. I will be filing an appeal with United.