Actually I think you need to call the number on your Insurance card and ask them why the breakdown exists as it does. It's rare for the practitioner to keep track of each individual company and how they do these breakdowns.
My GP referred me to a specialist a few years ago that was not in my plan. I essentially had to call the Insurance Company and get another specialist in order to not be charged some out-of-plan outrageous charges. So I did. Since then, I always check with them first.
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