I visited a new dermatologist three weeks ago after confirming they accepted my insurance. Yesterday, just before closing, I received a voicemail stating they no longer accept my insurance and will charge me $250 instead of my $85 copay. This change affects my biopsy appointment today, originally covered in-network, now potentially costing me unknown out-of-pocket expenses. Considering cancelling today’s appointment to reassess my options. Do I have any legal recourse in this situation?
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Call your insurance company right away. Find out if the provider dropped them or if there was a mistake when they gave you information over the phone. If the provider has indeed dropped the insurance, the insurance company should work out a special agreement with the provider for this one-time situation. If it turns out the provider gave you incorrect information, they should either treat you as if you’re in-network (so you only pay the in-network rate) or help you find another in-network dermatologist who can see you quickly.
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You likely signed a form stating that you are responsible for the cost of treatment, regardless of whether your insurance covers it or not.