Surprise bill from a lab?

Hello, wondering if you can help me with a bill with charges 4x higher than the estimates.

Employer-sponsored HDHP plan In-network lab (according to EOB)

When the blood sample was received by the lab, I was given the option to bill my insurance or pay the self pay price:

Self-pay option Estimated out-of-pocket cost with my insurance Test 1 $100 $50-150 Test 2 $250 $115-165

I went with my insurance given the estimates. However, the actual bill and EOB charge at least $628 higher than the estimates:

Amount billed by provider Negotiated rate Patient pays (HDHP plan) Test 1 $2,000 $455 $455 Test 2 $1,040 $488 $488

This is for my wife btw and it's our first experience with the US medical system. At first, I thought we were getting a good deal with our insurance, but now wish we went with the self-pay option.

Is our scenario covered under the No Surprise Act? What else can I do to reduce the bill?

submitted by /u/MrRitmo
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