There is a fine line between in network and out of network. Getting your insurance company to agree to cover expenses for an out of network provider makes you very lucky. The expenses directly related to the transplant should be covered however a consultation is not directly related to the procedure. When doctors order things they are not concerned if it is or isn’t covered. To protect yourself it’s up to you to tell your doctor before the service that this is not covered by your provider to see if it is absolutely covered. Tell him you cannot afford expenses not paid by the company. He can get these expenses covered by the hospital through other means or decide the procedure isn’t necessary. You should call your provider and explain the situation stay on there good side as they are doing you a favor. Getting them mad is only going to make trouble for you going forward. There are programs your doctor can go to to help you with these expenses directly, sir down with your doctor and calmly explain the situation. Going forward check with your provider if something will be covered if it is not related to the actual procedure. You are fortunate to get this approved.