<prompt> Human: Ive been seeing my primary care doctor for a few years now. I switched to a new health insurance, Oscar, last year. My doctor was still in-network under this new plan, so I continued on as usual.This year, I went for my annual physical, then back two more times within the next few weeks for follow ups. I just started receiving my statements from the insurer today, and SURPRISE, my doctor is apparently no longer in network. Bonus, the lab they sent my blood work to is no longer in network either. So thats 2500 that I thought would be covered which now...isnt.I live in New York, and am looking into how the Surprise Bill Law might help me here for the lab bills 1250. I havent received any bills from my doctor yet, and will be calling them first thing tomorrow AM to see how I can sort this out. Im hoping they can cut me a deal, instead of charging me the full amount 3 visits totaling 1250. And beyond that, see if they offer a payment plan.Besides that, are there any other optionsrecourse available to me? This just really sucks. Thanks in advance.  <response>: Call your instance and confirm coverage before every visit. 