Yes!!!!! Your hospital, surgeon, etc is all in network. However the anesthesiologist is out of network so you owe us $3,000. Oh, by the way, none of our anesthesiologist are in any network.

This is what you expect to happen. In my plan, it says 100% coverage for preventative services. However after my annual physical I get a bill for $200 because there was a lab fee that is not covered. There is always some bullshit charge they claim is not a part of your covered expenses.