<prompt> Human: Please forgive my naivete as I am somewhat new to navigating insurance company bureaucracy. I knew full well that my provider was out of network. From the beginning of January to the end of March, my insurance company has been billing my provider as in network and only recently recognized their mistake. I did not find out about this until I looked over my recent EOB and noticed that my provider was not being paid anything by my insurance company despite being paid the past 3 months, which I found odd. When I called them, thats when they told me about what had happened and that they decided to take my most recent bill and apply that to my out of network deductible. When I called them about a different issue changing my past 3 month copayments from being applied to my in-network deductible to my out of network deductible I was informed that they will be rectifying the situation by requesting a refund from my provider. I dont know, I feel pretty screwed by them for an error that they had made. I completed their paperwork correctly and knew full well that I was receiving services from an out of network provider. Thus, when I heard that they would be issuing a demand for a refund from my provider, I told them I did not agree with that as it seemed that we were essentially being billed for their error and I asked if they had any appeals process, which they gave me the information for.In retrospect, I should have called them as soon as I noted how odd it was that they started paying out to my provider right away like at the beginning of the calendar year, but I just chalked it up to being due to my employer switching insurance plans. I was so damn wrong. Any recommendations?Edit: OK everyone, I get it. Time to pony up.  <response>: Considering you knew beforehand, I assume you knew YOU might incur higher out-of-pocket costs, correct? I assume you were prepared for those and probably havent been billed for them properly yet since your provider was being paid as in-network.Your insurance company is correct in requesting a refund from the provider. Your provider will adjust your account accordingly and send you a bill for amount not covered by your insurance 