$3200 Ambulance Bill from NAVAC

We had an ambulance ride from Liverpool to Upstate via NAVAC back in December. It was for an anaphylactic reaction so they sent a paramedic. We just got the bil and it is $3200. Everyone I know who has taken an ambulance in this area has been $2000 or less. What the hell is happening here? Has anyone else experienced this?

I have spoken to insurance and NAVAC is out of network so while my insurance company seems $2400 as not billable, NAVAC can just disagree and charge us anyway. Insurance also is not going to pay anything (a separate problem we are solving with a job change). Speaking to NAVAC and their billing company, we need to submit a written letter explaining our financial hardship so they might grace us with a discount to something sub-astronomical.

This experience has honestly put some doubt in my head about calling an ambulance in the future. I will be more hesitant knowing a bill like this can just show up. It just disgusts me that they can charge like this.