<prompt> Human: So my wife just got a medical bill from a test she did back in June. Apparently they charged her 7200, which seems extremely high for a one night at home sleep apnea test. There is a plan discount of 1080 and my plan covered 3672. The leaves us owing 2448. Apparently our primary doctor told my wife that the test would be covered in network but my insurance lists that as not being the case. Am I screwed and is there anything I can do? Could this be medical billing fraud?  <response>: Doctors generally have little idea as to whats covered, extent of coverage, etc. Many just wing it. Ultimately, its up to the patient to confirm coverage with their insurance company prior to receiving care, surgery, tests, etc. Not something many realize.First step, determine whether the test was truly in-network or not by contacting the insurance company and asking many questions. It could be the insurance company is mistaken. A related issue is the test could have been coded incorrectly.Another angle to consider, is even if a particular doctor or medical facility is in-network, many of the contractors may not be. So its possible the facility the test was conducted in was in-network, but the particular treatment provider who performed the sleep test wasnt. 