Tier changed mid year/mid treatment resulting in higher deductible.

I just sent this to the insurance company. We have tiers and tier 2 has higher deductibles and co-payments. It's a Horizon BC/BS plan in NJ. Do I have a leg to stand on here? I had limited characters to explain what happened so below is all that I could write. I'm expecting them to answer and say "too bad." Is there anything I can do or say? This is a marketplace Silver plan.

My provider, ABC Medical Group (aka ABC Orthopedics) apparently changed from Tier 1 to Tier 2 in October and I was not notified of the change until AFTER receiving treatment for my knee. This provided almost went out-of network in April of 2023 and then stayed on as Tier 1. I had treatment during 2023 and my August 21 appointment was Tier 1. I saw them for follow ups on 10/10/23 and 10/23/23 and was NOT told they had changed tiers (mid year and less than a year after renewing the contract). I would like my bills for 10/10/23 and 10/23/23 re-processed at Tier 1 levels because neither Horizon nor the provided advised me that anything had changed. It was not until I was ready to schedule surgery that they mentioned the Tier change. I then switched providers to stay within Tier 1. I should not be penalized for the changes because I stayed with that provider only because they had stayed in network at Tier 1 after being notified that they might be leaving Horizon.

submitted by /u/cbwb
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