I had a question about a vision insurance claim problem.  Here's the
story -

I found this doctor (Doctor A) listed under my in-netowrk provider,
under my vision insurance plan.  Made an appointment for an eye
examination.  The exam is covered-in-full for the in-network provider
(per the benefits documentation).  Went there. Unfortunately, did not
have my id card.  But my provider (OptiChoice) had told me the new name
- DavisVision (they will be merging into this new company) as the
company name.  So I told the front-desk receptionist this name.  She
did a search using my SSN, but did not find me under this company.

I decided to pay for the exam beforehand, knowing that I can get a
claim afterwards.  I was seen by a Doctor B, in that office.  Paid
$100.

Called my insurance company to get the details on getting my claim.
They called the doctor's office for more details.  There the
receptionist told the company that Doctor B was not in the network,
hence I'd just be re-imbursed $32 (out-of-network).

So my question - is this ethical.  My eye prescription had Doctor A &
Doctor B's name on it.  I went there knowing that this office is in the
network.  But then I got this surprise that this Doctor B is not.  What
are my options to get this rectified.  Welcome any suggestions.

Thanks.