Insurance claims gyno out of network, so a 10k bill.

When I signed up on the health insurance marketplace, I made sure my gyno was an in network provider.

Had my usual yearly gyno visit in Feb, and she sent me to the hospital for my usual mammogram.

Needed a diagnostic mammogram and ultrasound, and then a needle biopsy.

I am now receiving bills claiming none of it is covered. That the ordering physician for the boob work (my gyno) is out of network, and therefore all the above isn’t covered. I think the total is around $10k.

The website claims she is in network. It also lists my insurance as a plan she accepts (a bronze blue care network). When I got the bills, a customer service rep first said yes, she is in network….then said no she is not. Customer service told me to have my PCP write backdated referrals for all the services/hospital. So I requested this and hope that changes things.

But is there anything else I can do? I am frustrated and overwhelmed and very worried about the final bill. My deductible is very high (7k) so I might be screwed either way.

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