What happens if you go to an in network practice, but the doctor you see is out of network?

I’m so confused. I need go to a specialist asap. There are only a few practices in my area that are in network. For some reason, the doctors at those practices that I can get in with asap are not showing up as in network with my plan in my portal. The doctors that are showing up in network in my portal are booking months out. the practice itself is coming up in network.

I have no out of network benefits at all.

I asked my insurance who told me to ask the offices if they bill by practice or doctor. I then asked the billing office of these practices this question and have gotten very confusing and conflicting answers. Some have told me they bill by the practice, while others told me they bill by the doctor. Some have told me all their doctors are in network with my plan, but my insurance has confirmed my portal is accurate that the doctors I can book with are not.

I don’t know what to do or if I go to the out of network doctors at the in network practices?

Thanks

submitted by /u/etahtidder
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