<prompt> Human: My son had a medical procedure done several months ago. Before even scheduling the procedure, I called my insurance company to see how the procedure would be billed and to verify what my coverage and costs would be. They were going to cover 80 of the costs, and the rest was my responsibility. Great, lets do this. I pressed them several times to make sure there was nothing I was missing, and that I would in fact only have to pay 20 for this doctor to do this procedure...Ive been burned before, you see!Anyway, now insurance is saying I have to pay 100 of the costs because the doctor was out of network. How do I get the bill back to that 20 that I had grown to know and love and afford?  <response>: Years ago my mother was diagnosed with breast cancer. She went through it all and ended up with over 100k in medical bills. The insurance company started calling after my parents stopped making payments since they had been told that everything would be covered. Fast forward a few years and everything was settled but my parents had to have the insurance company go back through their call tapes and verify that they did indeed say that everything would be covered. You might have to do the same. Good luck. 