My accident was five and a half weeks ago, and I just received the first bill from the incident today. This bill, from American Medical Response, is just for the ten-mile ambulance ride, and it came out to $1,592.90. Most of this should be covered by my insurance, but the bill tells me,
No authorization has been provided for this claim. If you do not obtain an authorization you will be responsible for payment in full for this claim.
I’m surprised that they don’t have an authorization from my insurance because the EMT on the ambulance went through my wallet (with my permission), found my insurance cards, and told me that my insurance information was “going through.” Obviously, this isn’t the same as claiming to have an authorization, but I don’t know what else he could have meant.
This message was followed by a customer service number, which was closed for the evening when I dialed it. I followed up by attempting to call both of my insurance providers, but they were also closed for the day.
The due date on this bill is May 18, which is Monday of next week. The invoice is dated May 8, which was Friday of last week, but the bill didn’t arrive until today. Fortunately, any payment that I owe will only have to travel as far as San Francisco, but that still means I’ll have to put a check in the mail on Saturday, so I need to resolve the insurance situation by Friday.
Even giving American Medical Response the benefit of the doubt and supposing that they actually mailed the bill on Friday, it took them twenty-five business days to get any billing information on its way to me, and I’ll have two business days to sort things out. I’m very lucky that I can afford to pay for it if I have to, but I can’t help but see this as symptomatic of a badly broken healthcare system.
Shock and Jaw 
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