<prompt> Human: In 2016 my wife hurt her ankle. We ended up in the ER late at night for an X-ray. The hospital that we went to is in my insurance network BCBS-Florida. Unfortunately and unbeknownst to me, the radiologist that read my wifes X-ray was not. After paying my co-pay for the ER visit, I get a bill in the mail for the radiologists fee. After numerous calls to BCBS, the radiologists office, and the hospital I get nowhere. Pretty much they tell me to suck it up and pay the fee. I let the bill sit for a while in order for me to do some more research, but I ended up forgetting about it. Fast forward to last week, I start receiving calls and mail from a debt collector demanding payment on this bill. Its not a huge bill, in fact, I the amount is the least of my worries. The main issue that I have is how can a hospital that is in my network and has my insurance information not tell me ahead of time that the Dr. they have reading X-rays is not covered by my insurance and let me make a decision before receiving service. So, at this point, am I screwed and I just pay the bill before it hits my credit or is there another way to fight this?  <response>: It is called surprise billing - google it. BCBS should pay for it because you were in an in-network facility. Does your state have an insurance commissioner? You can write to them about it and they will investigate it. Some insurances have exceptions for out of network O-O-N ancillary providers. In fact, one insurer not BCBS calls it RAPS and it stands for Radiology, Anesthesia, Pathology Services. These are the ancillary services where providers like to remain O-O-N to get better payments. This is a very common practice across the country. The second factor here is that the hospital does not want bad PR because they use O-O-N providers. I would write reviews about your experience on Yelp and those kinds of places online, because someone will notice. 