Please help, impending several thousand dollar bill that I was told would be covered!

In March I went to the gyno for a check up and, during my check up, while talking about my family history my doctor became concerned and suggested I do genetic testing for cancer markers. My first question was about cost, and I was told that my insurance would cover it. We go through the process and before my visit ends I ask once again about cost and are you sure my insurance will cover this? My doctor again assures me that this is something that insurance covers. But then tonight I received my June statement from my health insurance company and on there I see that there’s a $4040 “ineligible” charge for genetic testing and $4040 under “patient’s portion”.

Now I know that this is a statement and not a bill, but seeing this makes me think that this bill is inevitably coming. This is not a bill that I can afford, and I never expected to pay this much after I was told insurance would cover it! I am going to call my insurance company during office hours to get more information, then call my doctor to put in an appeal, but does anyone have advice about this? How likely would it be that this gets appealed? Is there anything I can do or should do?

If it’s helpful, I live in New York, and I have Carefirst which gets billed under Blue Cross Blue Shield PPO here. I do have the high deductible plan, and I have met my deductible for the year so my coverage now is at 90%, and I pay the other 10%.

Thank you for reading and any help would be appreciated as I am panicking right now! I don’t know what I’m going to do about paying this off!

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