OON allowed amount for a service decreased by 60%

Hi, as the title states, the allowed amount for an OON service I receive decreased by 60% (200 to 80). As you know, this drastically increases my cost, both immediately (for each service) and over time (since less of my true cost contributes to the deductible & OOPM).

I'm curious for people's perspective & knowledge, and whether there is anything I can do. Every time I talk to someone at my insurance provider, I feel like I understand how insurance (deductibles, OOPM, in/out of network, etc.) works better than they do. And so far no one has been able to answer why the allowed amount decreased so drastically.

My suspicion is that the insurance provider just doesn't want to pay for this service anymore, but of course no one will say that outright. Any answers so far seem to be steeped in bureaucracy: "this is what 'they' say is covered". Who's they and why can't I seem to talk to anyone with actual information?

Context for services:

I see a mental health therapist regularly and have consistently for many years. I understand a possible "solution" is to see a different, in-network therapist, but that isn't so pragmatic or simple in my situation.

Thanks for any insight!!

submitted by /u/SanSolomon
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