Last August, Erica Kahn was enjoying a peaceful evening stargazing in Arizona’s Glen Canyon National Recreation Area. The 33-year-old Massachusetts resident was on vacation, photographing the night sky. Bats flitted through the air, but she didn’t give them much thought, until one of them flew straight at her face.In the chaos, the bat became lodged between her camera and her face. She screamed instinctively, and part of the bat ended up in her mouth. She still doesn't know exactly what part of the bat it was, but she estimates the contact lasted a few seconds. “It seemed longer,” she said.The bat eventually flew away. Though she wasn’t sure if she’d been bitten, her father, a physician who was traveling with her, advised her to get treated for potential rabies exposure.Scrambling for Health InsuranceThe problem? Just weeks earlier, Kahn had been laid off from her job as a biomedical engineer and had decided to forgo COBRA coverage, which would’ve let her stay on her former employer’s health insurance plan. The cost, around $650 a month, felt too steep for someone young and healthy.She figured she could risk going uninsured for a while and quickly sign up for a plan if something happened. That decision turned out to be costly.After the bat incident, Kahn purchased a private health policy for $311 a month from a Florida-based company called Innovative Partners LP. She even called them to confirm that emergency services or accident-related care would be covered. Feeling reassured, she went to a hospital in Flagstaff the next day and began her rabies vaccination series.The Treatment and the ShockKahn received four doses of the rabies vaccine over 14 days. Her first visit also included three injections of rabies immunoglobulin, a vital treatment that boosts the body’s ability to fight off the deadly virus. She continued her treatment at different clinics in Arizona, Colorado, and Massachusetts.Then the bills arrived.Across all four facilities, Kahn was charged a total of $20,749. The bulk of that, $17,079, came from Flagstaff Medical Center, which billed $15,242 for the vaccines and immunoglobulin alone.To her shock, her insurance company denied all claims. Their explanation? The treatment occurred during the policy’s 30-day waiting period, and the company ruled that the services did not qualify as accident-related or life-threatening under their terms.Appeals, Confusion, and Mounting DebtKahn tried to appeal the decision. She got a doctor at Flagstaff Medical Center to sign a letter supporting her claim, but she struggled to reach doctors at the other facilities. The insurance company gave her conflicting information about where to send appeal paperwork. In July, she learned that the insurer had not received any formal appeal.Health policy expert Sabrina Corlette, from Georgetown University, reviewed Kahn’s situation and suggested the policy she purchased was likely a “fixed indemnity” plan, as reported by the Washington Post. These limited plans pay only a set amount per day for care, regardless of actual costs, and are not required to meet the standards of the Affordable Care Act (ACA). Corlette added that even if Kahn had purchased a more comprehensive plan, treatment that began the day after enrollment might not have been covered.“This is why it’s so important to be insured before something happens,” Corlette said. “It’s not just about coverage, it’s about timing.”A Harsh Lesson in HindsightBack when Kahn lost her job, she was still within the 60-day window to opt into COBRA. Had she done so and paid the premium, her coverage would have applied retroactively to the day she was laid off. She didn’t realize this until much later.Now re-employed and covered under her new job’s insurance, Kahn is still chipping away at the debt from her run-in with the bat. She negotiated one $706 bill down to $420 and set up a $10-a-month payment plan for a separate $530 charge. But over $19,000 remains unpaid.