The $1,000 ambulance ride was not covered. The ambulance company is out of network.

My elderly mom had to take an ambulance to the hospital a few years ago ($2800 -- I don't know where you are that ambulance rides cost only a grand). It turns out the ambulance that showed up and transported her wasn't the "official" ambulance service of the hospital she got taken to. So months later she got another bill for $2800 from the official ambulance service. She was going to pay it, too, until I intervened and said fuck no. They called and said they would send it to collections and I had a fun time yelling at them. They never did.