What are my rights if my insurer is making us pay a $500 penalty because the hospital did not get in-network pre-authorization?

Question Details: This was for a breast biopsy. The physician and hospital are in-network. We have a PPO. They received "pre-authorization" after the biopsy and now the insurance company is slapping us with a $500 penalty. Is there that would not allow that How does the patient know whether the doctor asked for pre-authorization?

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