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>The anesthesia was out of network and didn't get covered by insurance

This actually is specifically illegal, it's a pain in the ass to fight it against both the hospital and your insurance but if you insist hard enough they will cover it and you'll only pay what you would normally through your insurance. As long as the hospital itself is in network they aren't allowed to play "gotcha" with specific doctors/providers just not being in network all the sudden.

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This is soo strange! Why do _you_ have to insist for anything? Why is this thing even legal?

It's not legal, but the amount of people that will just rollover and take it is incredibly high, and the absolute worst case scenario is that end up having to pay what they would have anyways so there's literally no downside for them pulling this bullshit.

I thought this was only just made illegal as of Jan 1, 2022.

So for any kind of emergency care they are not allowed to "gotcha" with out of network providers at in network hospitals, this has always been the case. However, according to my quick Google research apparently anything else is state-law dependent so what I said doesn't apply equally in the country.

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