I sounds like the hospital messed up on their end. Do you need a pre-cert for the therapy? What kind of insurance do you have? Do you have a PPO plan? In my experience you would need to file a reveiw with the hospital and have them rebill for the therapy. If your insurance says you are covered 100% then you should not pay the bill. Of course they can always try to tell you that your therapy is out of network with your plan and then you would have to pay whatever the insurance does not cover. I would go to the hospital and talk with the billing office, make sure you take a copy of your EOB from the insurance and have them write off the balance. Trust me they are getting paid enough already.