Reason not to pay hospital bill after not letting me know in advance that they won’t be able to

My daughter was so sick and hospitalized for 3 days( a 7 months old) now this medical aid doesn’t want to pay, a day after being discharged they sent a pending authorization letter, couldn’t they have sent it before admission. To think I left a great med aid for this nonsense. So rather I let my daughter die and then finding each and every reason not to pay out. What is the reason for paying medical aid if they can’t even assist in case of an emergency?