If you went to an out-of-network doctor and didn’t know they were out of network, you have a few options. You can confirm that the doctor really is out of network (which apparently yours is), you can ask the doctor to join your network or you can plead for a discounted bill (note: some health insurers offer financial relief for out-of-network doctors but it is usually a small amount).   If none of the above work for you, then unfortunately you will be obligated to pay all deductibles, co-pays, and out of network costs for which you are billed. Bottom line, before going to any doctor, you should always make sure that they work with your health insurance provider. It is a good idea to even routinely check with your regular practitioner just in case they stop working with your insurer.