I think getting a copy of the medical record is a good idea. When you were admited, there should be an admitting note indicating where your were admited written by an attending physician. You can try to ague with your insurance company based on the attending's admission note.

Another thing you can do if the insurance still refuses to cover is to negociate with the hospital. If you are just a F1, just claimed that you have no money and cannot afford it. They usually can decrease the charge.

One of my friend got a 50% decrease.

Another friend told me he just disregard all those bills and usually they will decrease the amount by themselves.