<prompt> Human: I recently had surgery. It was planned and I was asked about my insurance and then given a list of doctors who were covered by my insurance. I asked around and many people recommended one in particular, so I went with him.After my surgery I woke up to learn that right after they put me under there was a complication with another surgery of his and he had to go deal with it, so they sent someone else in to do my surgery. This other person was not covered by my insurance. The hospital initially told me he was, but I figured out he wasnt when I received the bill and called them, confused. They said he is contracted out from a private clinic and is not covered.My insurance is covering a large chunk of the bill, but the fees specific to the surgeon are not covered. I am assuming there is some wiggle room with this, but Im not sure where it would be. Should I be talking to the hospital about seeing if more can be covered? Or my insurance? Would talking to the surgeon make any difference at all?  <response>: Insurance policies usually have an exemption clause for when a network doctor is not available due to distance or other circumstances. You need to appeal their decision but do it with a letter from the originally planned surgeon who opt out. Get them to say they could not make the surgery, in writing. 