$2k bill for PCR lab?

Hi!

I went to an urgent care on 6/5 for a rapid & PCR test as I knew I had Covid (home test) but needed physical test results to be eligible for covid PTO through my job.

I just received a letter in the mail claiming the lab that the urgent care used was out of network, the amount is for over $2,000. I looked in my Cigna app for the EOB and saw that I may possibly only owe $1100 if the urgent care accepts the out of network claim my insurance company sent back to them. What I noticed is that the EOB had multiple lines for the lab work, which was confusing to me.

Called Cigna and there are a few things that they mentioned. The Covid government coverage/funding for testing is no longer in effect (I had no idea about this and no one notified me at urgent care), the urgent care used a lab that was out of network, the doctor ordered a full respiratory panel on top of the Covid test.

I wasn’t aware of any of the above. Does anyone have any advice? I don’t go to the doctor often so I really haven’t encountered anything like this and am wondering what steps I can take to fight this, especially because I did not consent to a full respiratory panel test. I’m in no position to pay a $1k-$2k medical bill.

Any guidance/help is appreciated!