A consumer is facing a billing dispute after their therapist, who was believed to be in-network with their insurance provider, is being classified as out-of-network by the insurer. This discrepancy leaves the patient potentially responsible for the full cost of all prior therapy sessions. The patient is questioning their obligation to pay the higher, out-of-network rates, highlighting a common issue where communication breakdowns between healthcare providers and insurance companies can lead to unexpected financial burdens for patients.