Got a $9,400 bill after detox that insurance was supposed to cover. Options?

Don't pay it quietly, and don't panic — this exact pattern (in-network facility, out-of-network doctor group) is what the federal No Surprises Act was written for; ask the insurer and the biller, in writing, whether these are protected services under it, because for most emergency and many in-network-facility situations, balance billing like this isn't allowed anymore. Steps that worked for me: (1) request an itemized bill, (2) file a formal appeal with the insurer citing the pre-authorization, (3) ask the provider for their financial-hardship policy — most have one and it's real, (4) if it stalls, your state insurance commissioner takes complaints and providers know it. This is general experience, not legal advice, but the first offer is almost never the final number.