<prompt> Human: Im freaking out crying! I cant pay this. Im a grad student that lives paycheck to paycheck. I have student health insurance thats year-round. My school has a rule that if you get a referral from the schools health center, then Specialty office visits at my schools hospital are covered. I didnt know about this so I just made an appointment with my schools hospitals Urologist and went in for a 1-year follow-up. It wasnt my first time going, Ive gone numerous times in the past. I guess in the past, my visits were covered because my original referral was 1 year long. This time, I actually still did pay 25 in the office because I told the office workers that I had student health insurance, and thats the copay for it.This past weekend, I got this Explanation of Benefits in the mail and it says THIS IS NOT A BILL, but It is your responsibility to pay: 1008.00. I think I actually have to pay it to someone, right? To the Urology office at my schools hospital?I signed into Anthem and it also says I have a 1008.00 denied claim.What is my next step? I think I need to submit an appeal to Anthem Blue Cross. Are there any techniques or strategies to get them to accept it? Like, things to say. Or things not to say. I literally cannot pay it. I forgot to get a referral from school. But that sounds so dumb.I also emailed my schools health insurance office with similar questions. Im so scared.Is there a way for me to pay this off slowly over time? Or to apply for some sort of funding or charity? I need all the help I can get.Thank you very much for your time.Assistant: Typically in those cases you can appeal if the visit was deemed medically necessary. Additionally, if you get a PCP to referral for you after the fact they will honor it. In many cases you have to remember your first interaction with them is an automated claims recovery system that they have in place to keep people from abusing services. Human: Thank you for your response. I think the visit can be considered necessary, as I was told to come back in a year to see how my bladder was doing.I will definitely message my PCP at my school to get him to submit a referral for me, or if I have to, Ill just go in for an office visit with my PCP and then get a referral. That should be doable.  <response>: You can even explain the situation to them and I am sure they will oblige. Turn the referral into the insurance company and depending on where your deductible falls you may be only responsible for 200 of that 1000 