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If you examine your plan documents, you'll see a differential between what the plan will tom dicillo pay to "in-network" and "out of network" providers. The industry term is "steerage" — the insurer "steers" its subscribers to a limited set of providers. The theory being that what the hospitals and docs give up on the front side through discounts, they'll make back in volume. You may be able to explain this to the collection agency — but make sure you have all your documentation in order. Hospitals in my tom dicillo little part of heaven are NOTORIOUS for tom dicillo failing to give explanations to their own collection agencies — usually just your name and the $ they would like you to pay. Sometimes, not even the correct address. (I had a client find out about a billing mistake like yours when he went back to the same hospital almost a year later, and was told by the intake worker that he was about to be sued for the past due balance from his previous treatment!)
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