<prompt> Human: My Mom had a surgery a few months back. Recently, she recived a bill for 800 from her anesthesiologist because she was out of network. My mom spent the remainder of her savings to pay this bill and had to ask me for a loan. I understand a out of network bills can be reduced if you are paying out of pocket, does she have any options now that she has already payed it?  <response>: Once you pay, you lose a lot of leverage. What are you going to say? Youd like them to refund the money? They probably dont think theres any upside to them doing so. 