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by gt_grc 2339 days ago
I didn't even know that an out-of-network provider was involved in my surgery until after it was over. A couple of weeks after the surgery, my insurance company sent me an unexpected check for $3,000. I called and asked them about it. They said, "It's to pay the surgical assistant. They're out of network, so we can't pay them directly." I had no idea that a surgical assistant was even there. (I hadn't yet received the bill.) The insurance company told me that since I had already been anesthetized and couldn't ask the surgical assistant if they were in-network, I didn't have to pay anything out of pocket for the surgical assistant.