Your poor thing. As if you didn't have it hard enough, then along comes the insurance companies to add to your troubles. I'm so sorry about your miscarriage. I've had a couple but they were much earlier than yours. I can't imagine what that's like, and I can't believe that your insurance people don't understand why you would need privacy. The medical community can be very insensitive about these situations. I was put in a room once with a 90-year old woman who was doing her colonoscopy prep for the next day. She was sitting in a mobile toilet just on the other side of the curtain, and I'm sure she was 200% more mortified than I was. I absolutely insisted on being moved for my sake as well as hers.
I don't really have any advice to give, because I don't know what your legal rights are with the payment. I just wanted to sympathize with you and let you know you're not alone. I hope things improve soon.