Sleep study claim denied?

Can anyone help explain what might have happened?

My primary care dr referred me to do a sleep study(which confirmed I have mild obstructive sleep apnea). I verified on myuhc website that both the facility and the dr listed on staff for the facility were in network and when doing a “cost estimate” on myuhc for an at home sleep study at that facility it estimates my amount owed to be $0 due to having already met my out of pocket max for the year.

Yet the claim was denied with the reason listed at “out of network” and my insurance lists my amount owed is $5000. I did escalate this with UHC, including sending screenshots where the website shows “in-network”. I was told that it was being sent for review.

At no point was I told that any service I was receiving would be out of network. Nor was I given a cost estimate at all, which made sense to me because I’ve haven’t had to pay for any medical costs in 2 months now. And now I’m panicking not knowing what happened and the thought of a $5000 bill is terrifying. Could this just be an error or could I really owe $5000?

submitted by /u/HIM_Darling
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