being charged $550 because my provider was out of network-but my office is in network?

hi everyone. i need any advice i can get. i have been at my current doctor’s office for over a year. my copays are always $35. well, i just got set up with a new PCP and about a week later i got a bill for $550.

i freaked out because i’m a college student who doesn’t have that kind of money. i called the doctor’s office who didn’t answer. i then called the insurance company, who stated that i should have checked each individual provider i was seeing to confirm that they are in-network. they stated that just because a doctor works for a specific office that IS in-network doesn’t mean that that specific provider is in-network.

so, now i’m stuck with a $550 bill. i have never heard of this before. i’ve never had this issue and have been with this office for over a year as i said. is there anything that i can do??