Need Advice on Out-of-Network Lab Charges…

Hi people..

I’m looking for advice on how to handle a huge medical bill situation. My Anthem insurance ended on 8/15/24, and I had a blood test done on 6/19/24, well before the coverage ended. I made sure my doctor and the place where I had the test were in-network, but I recently found out the laboratory that processed the test wasn’t in-network. Now, I’ve received bills for $4,000 for myself and $2,800 for my husband because of this out-of-network lab, and I had no idea the costs would be so high.

The claim was received on 9/3/24, and now I feel completely stuck. I never thought the lab would be out-of-network, and I don’t know what to do. I honestly can’t afford this, and I’ve heard that insurance companies and billing centers often try to avoid paying.

What should I do step by step? I’m terrified this will ruin my credit or that I’ll be stuck with a debt I can’t pay.

Any advice on how to handle this? Anyone who’s been through something similar? pls help me…..

submitted by /u/Illustrious_Gear_599
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