<prompt> Human: My health insurance ONLY covers lab work done at Quest, which is printed on my insurance card. Lab work done at other labs is covered at 0 and is fully my responsibility. I went in for my annual well-woman exam aka pap smear with a new doctor because I just moved. The front desk made a copy of my insurance card. When filling out the new patient forms, one form concerned lab work and said it was the patients responsibility to inform the office of any lab restrictions. I wrote QUEST DIAGNOSTICS ONLY at the top. I also verbally told the front desk to only use that lab. She said that was totally fine because the office only contracts with that lab. I just received a claim denial from my insurance company in the mail today that says my pap smear was sent to Foundation Lab. As such, the claim was denied, and I am responsible for the full bill. I am waiting to get the actual bill from Foundation Lab in the mail. My insurance would have covered the lab results at 100 with no copay if done at Quest. I plan on disputing this somehow because I did my due diligence in informing the doctors office in multiple ways of my lab restriction. However, I am seeking guidance on which steps to take and in what order. Should I call my insurance company and ask for advice? Should I file the written appeal to the insurance company? Should I contact the doctors office about the mistake? Should I call the lab to negotiate somehow? All of the above? Any advice is appreciated!tldr: I told my doctor to use Quest for lab tests, but the doctor sent my lab work to an out of network lab. I am now being billed for the full amount. What should I do?  <response>: If your doctor has paperwork indicating that your insurance only covers labs at Quest and they said they used Quest and in this case they did not, I would take the position that the doctor had to pay for their mistake. Ask them to pullout the paper work where you specifically specified Quest and then ask them why they sent it someplace else. 