Your problem must be other than what you wrote
If you have a policy that covers the service you received, then the in network provider must accept the allowed amount specified by the carrier. If you go to an in network provider and have a non-covered service (eg Botox from an in network dermatologist) then they can charge whatever they want and you are responsible. If you have a policy that only covers in hospital charges, and you see a doctor in the office, again you are fully responsible. The fact that they are offering you a "more expensive" policy suggests the one you have does not cover as many variables as you thought it did. If you call the 800 number on the back of your card, a rep will be able to walk you through the exact reasons. I am of course assuming that you told the doctor you have BCBSF and gave them your card, and asked them to bill the carrier to determine the allowable not just asked them to charge you the BCBS rate.
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