I'm just guessing but, if this is correct (and Gracie is right...just takes a phone call), it may not be the hospital that won't accept the insurance...it may be the insurance won't work with the hospital. Same with a Canadian hospital not accepting Medicare...will Medicare pay the hospital? We get these calls all the time "Do you take our dental insurance?"...the answer is yes..we will take any insurance. The question is...will YOUR insurance work with us? Many times it's not the medical provider..it's the insurance industry. Just throwin in my 2 cents.