<prompt> Human: Not sure if this is the correct sub or not. If this is the wrong sub, please point me to the correct one.I got charged around 200 for a procedure that should have been fully covered under my insurance. My doctor referred me to a specialist that my insurance does not cover. I didnt know that the specialist was not covered under my insurance until I saw the bill. I feel that my doctor made a mistake by not checking my insurance before making the referral and that the specialist made a mistake of not checking my insurance before treating me. I called both my doctor and the specialist and they kept telling me to call the other person, getting me no where and now im stuck with a bill for 200. Who how do I dispute this? Yes, this is America.  <response>: Its considered your responsibility to check with your insurance before receiving a treatment; specifically during that window of time between the time your doctor gave you the referral and the time you went to see the specialist. Your medical professionals are there to give you care. Since every insurance plan is different, youre the one who has to know what yours covers, and its your responsibility to work with your insurance company to find their in-network or partnered professionals and specialists. You received medical care and were billed for it, so if you explained the situation and asked for your specialist to write-off a portion of their bill, and they said no, thats the end of that route.The only place to appeal a health insurance coverage decision is with your insurance company. You might try getting a letter from your doctor saying that you needed this care and this specialist, and that your care and this specialist was medically necessary, and a complete itemized statement from the specialist, and attaching those to an appeal form for your insurance company and resubmitting the claim. Not all insurance companies pay out at the first submission even when they should, and an appeal or resubmit can sometimes do the trick. Get the proper forms from your insurance company for an appeal, and have good paperwork from your medical professionals to accompany it. Good luck! 