I assume the charge was more then $400, and you are using $400 since that is your out of pocket, a $400 ER visit would be on the very low side. Plus I doubt the Doc's bill was over $125, the rest would hospital/ER charges. Often there is a process of looking at certain things first, it doesn't sound like anything was not done correctly, but maybe the Doc could have gone down a better path to discover what was wrong. Anyway, all is well that ends well, I guess. You can talk to the Admin, but your insurer is maybe a better choice.