I recently had a medical scare that sent me to the hospital by ambulance in New York City. When the bill came due my insurer covered the emergency room visit but did not cover any of the costs of the ambulance. Problematically, the cost of the ambulance ride ended up being 3x the total cost of the doctors and tests performed in the emergency room sticking me with a very large bill. These ambulance costs are treated completely separately, seemingly not covered at all and not even applied to my annual deductible.
What actions or recourse do I have in this matter? I don't mind paying my fair share but to be stuck with 100% of a large bill and not even have it apply to a deductible seems unfair.