Could someone explain me better about the No Suprise Act?

Could someone explain me better about the No Suprise Act?

I had a sugery on March 9th in an in-network hospital. However, my specimens were sent to an OON facility and examined by an OON provider. I recently received a bill from the pathology department; they are trying to charge me the full price of what they claimed was the insurance ($752).

EOB show:

-Provider billed: $752.00 Plan benefits: -Plan discount: S498.92 -Plan paid: $0.00 Your cost -Applied to deductible: $253.08 -Copay: $0.00 -Coinsurance: $0.00 Total plan benefits: $498.92 Your total cost: $253.08

Your cost explained

You hadn't met your deductible yet. That means you pay for cost of care until you meet your deductible, then we begins sharing the cost of your care.

Service description Pathology examination of tissue using a microscope, intermediate complexity

I asked my insurance if it was processed as INN or OON, and they told me that it was processed as INN. Then she explained to me, “The claim is Out of Network (OON) and applies to the 00N accumulators. The claim was "bumped" to In Network (INN) as a surprise bill in order to process; however, it still applies to the OON accumulators. ” It doesn’t make sense to me at all. Isn't I only supposed to be responsible for 20% coinsurance, as my in-network benefits stated? What is the point of changing to INN to be able to process and apply to ONN? What do I need to do now? Im feeling it was not how it supposed to be handled.

Thank you for any answers and suggestions in advance.

My insurance policy for in-network:

$0 deductible, $1500 out-of-pocket (which I already maxed out for this year), 20% coinsurance.

Out of network:

$500 deductible, unlimited out of pocket, 50% coinsurance.

submitted by /u/Lazy_Letterhead7879
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