A while back one of my kids was in the hospital. We made sure to use a facility that was under my health insurance's "preferred" list, and told the facility that we needed to use doctors that were on the insurance's list (which they did). They wanted to use a specialist for one thing and told us that there were having some trouble finding someone that was under the insurance's plan. They finally brought the specialist in and things progressed. Later, my insurance balks at paying the full amount since the specialist was not in their network. I explained the whole thing to the insurance and nothing got changed (they only paid $420 on the $940 bill).
Do I have any recourse? I never gave my approval for the hospital to go "out of network", and they led me to believe that they were staying in-network for everything they were doing.
I think that the specialist may have turned the account over to a collection agency.