Hindsight is 20/20, but the responsibility is on you to verify coverage with your insurance provider, not your healthcare provider. Same goes with dental coverage.

Hospital does not care about your credit score. Their job is to get money or write it off/send to collections and move on. Also as an example, a hospital sued my stepdad for 900$ when he was brought into their ER, unconscious and uninsured. He never even signed anything or agreed to go to the hospital.

Your best bet is ask if they offer any discount for paying in full. That usually nets my parents 10-20% off.