I ran into the something similar with Cigna and Kaiser (albiet for a much smaller dollar amount), I called both entities prior to going to urgent care and descr

I ran into the something similar with Cigna and Kaiser (albiet for a much smaller dollar amount), I called both entities prior to going to urgent care and described the care I needed (xray, splint) and was told that the copay would cover it. Lo and behold, I got stuck with the majority of the $500 bill, wish I had not gone in retrospect.