<prompt> Human: I went to the ER recently. The receptionist told me the hospital ER was in-network for my insurance. Fast-forward two months and I get a bill for 800 from the doctor who saw me in the ER. Apparently even though the ER is in-network, the doctor who chose to see me was not in-network? Did they do this on purpose to screw me? I had no idea this could happen. Nobody told me or informed me. I would not have agreed to be seen by this doctor if I had known. What can I do?  <response>: Dont pay! Please! Call the hospital, call the insurance company, explain the situation. Tell them you are not going to pay. Dont let them scare you. If need be, call the office of your states Insurance Commissioner, explain the situation, ask their advice. Tell the hospital and insurance company that you are talking to the Insurance Commissioner if they are not cooperative with you. Talk to your HR department. They may also have resources for you. 