Is the patient responsible for payment if their health insurance refuses to pay?

In most cases, yes, the patient is responsible for payment if their health insurance refuses to pay. This is because the patient is ultimately responsible for their own medical care, regardless of whether or not they have health insurance. However, there are some exceptions to this rule. For example, if the patient can show that the insurance company acted in bad faith in refusing to pay, the patient may not be held responsible for the payment. Additionally, some states have laws that protect patients from being held responsible for medical bills that they cannot afford.