<prompt> Human: With the growing presence of medical clinics and group practices, Im running into an issue with my insurance. I go to a clearly labeled in-network facility, but then certain doctors or services they use are out of network. Imagine my surprise when a trip to an in-network facility leads to a big 500 out of network charge because one of the various doctors happens to be out of network. My insurance has separate coverage limits for out of network, too, so it means higher deductibles and smaller coinsurance. Lose lose.Is there a way to dispute these? Ive never been informed I could be seeing out of network doctors or services in any of these instances. Have Cigna insurance through employerUpdate: Calling Insurance to see what can be done.Also, many comments asked if Im not checking whos in network or not. Im definitely doing my due diligence, but theres only so much you can control and check. For example, my general physician uses a lab that has been in-network for years. They recently switched labs and the new one is out of network. They never informed me.Update 2: Called Cigna. They were able to process some of the out of network charges as in-network. They also said that anytime I get an unexpected out of network bill, call them and they will see what they can do before paying.  <response>: Its all on you to make sure youre seeing the in-network doctor and to make it explicit with the appointment that you need to see doctor X. Recently ran into this where two brothers were both at the same practice but only one was in network. Thankfully the office knew what was up. 