So confused. Insurance says I owe $38k for my c section.

Said the anesthesiologist and surgical team were Out of network even though the hospital and my doctor were in network? I literally chose this insurance plan based on how much my section would cost at my chosen hospital?

How am I supposed to know whose on staff for surgery? It was a medically necessary c section? Can anyone give me some insight to this? I’m freaking out so because I obv don’t have $38k to pay this off when I thought it would cost max $5k!

Insurance provider is AETNA and I live in Chicago

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Said the anesthesiologist and surgical team were Out of network even though the hospital and my doctor were in network? I literally chose this insurance plan based on how much my section would cost at my chosen hospital? How am I supposed to know whose on staff for surgery? It was a medically necessary c section? Can anyone give me some insight to this? I’m freaking out so because I obv don’t have $38k to pay this off when I thought it would cost max $5k! Insurance provider is AETNA and I live in Chicago
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