I was so stupid. I used a hospital to get some tests and treatments done that I thought was in my insurance company's network. Even if they weren't, I thought the insurance would pay a big chunk of the cost. I was wrong. For just one visit that cost around $250.00, they paid a little over $20.00. Altogether, I now owe a little under $1,000.00. Makes me wonder why I even have insurance. Now, I'm looking for one that is in their network.