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Around 7 or so years ago I had a seizure outside of my apartment while unloading my car following a robust BBQ in the hot sun that I threw for my brother when he and his wife returned to the area after a year+ long recovery from a near fatal auto accident. Apparently one of my neighbors panicked and called 911 and an ambulance was sent. When the ambulance arrived, I regained consciousness and told them that I was fine, but the attendants advised that they were required to take anyone they found unconscious to the hospital, forced me onto the gurney, strapped me down and took me to a local hospital about 2 miles away.

I got a bill from the ambulance company for well over $500 and sent it to my insurer, Golden Rule. Golden Rule wasn't able to reprice the charge with the provider. I called the ambulance company and spoke with a person in their billing department and asked him to consider repricing the bill for me, advising him that I had, in fact, tried to refuse the 2-mile ride, but was forced to take it by their personnel. He advised me that they would not because they were not a participant in Golden Rule's PPO. He said that if the insurer had been Blue Cross/Blue Shield or United Health Care, they would, of course, reprice the charges. I advised the gentleman that I was a licensed agent for Golden Rule and United Health Care and asked him if he was aware that Golden Rule was a United Health Care company. He said that he did not, looked it up on the Internet and allowed the repricing, instantly reducing the bill by around 1/2. He asked if I wanted to pay that amount then, to which I replied that I did - I didn't wish to risk that someone else in their company might decide a loophole existed later and reverse the repricing. Golden Rule later changed their PPO to their parent company's.

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