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Insurance companies are evil and nothing they tell you on the phone can ever be trusted. I swear sometimes they train their customer service people to lie through their teeth.

As Seahawketti said, calm down, relax and talk to the hospital. A mistake was made somewhere, which happens all the time at big places like hospitals. They want to get paid, and they know it's easier to get two grand from an insurance company than from you. Just politely tell them that you got a bill and you think it's a mistake because that bill should have been submitted to your insurance carrier. Most likely, someone somewhere didn't get a copy of your insurance card. That's all.

Worst case scenario is that you have to mail the bill to your carrier. There are forms on their website and you usually have a year to file the claim, so you don't have to worry about being rejected because the claim was filed too late. But it's unlikely that you will have to do that.

(And make sure it's actually a bill -- I've gotten invoices from medical providers that show me the cost and somewhere it indicates that the bill is being submitted to insurance.)