Hi all. Hopefully this is the right section to post this question in. I had surgery not too long ago. Then today I received paperwork from my insurance company indicating that the anesthesiologist is out-of-network -- i.e. he will expect me to pay for a portion of his bill bc the insurance company is only paying part of it. So can anyone tell me, what kind of repercussions can I expect if I do not pay? (Bill collectors and damage to my credit rating?) Thanks in advance.