In Network and Yet Not Covered

Went to a specialist for my annual check up with said specialist, never had any issues with insurance and this doctor before, but this year I do.

So the hospital the doctor works in is In Network, the doctor is In Network, but it’s not covered because drumroll it got billed as outpatient! And my insurance only covers inpatient visits. No prior warning of this or even any real way of knowing that this was going to be an issue. Especially because ” Hospital Name Outpatient Facilities” is specified as in network and I’ve seen this doctor 2x at this hospital with no issues until now.

It’s $1100 bill I’m left to foot. I’m attempting to get it appealed, but I don’t have high hopes. Anyone else dealt with this before or know what to do? Because I’m losing my mind over here.

Honestly this year just sucks for me. I’m up to 4 appeals because insurance just refuses to cover anything without a fight. The last one they wouldn’t cover because the doctor’s visit and the treatment I received weren’t billed under the same claim and they’ll only cover the treatment if it is. That was luckily an easy fix, but it’s so infuriating to go the doctor’s, think all your ducks are in a row only to learn afterwards that no, infact you’re missing one duck that we never told you about before and now it’s going to cost you your entire next rent payment.