As insurers try to limit costs, providers hit patients with more separate fees

Leo Boudreau of Massachusetts was thrilled to find a psychologist in his insurance network to treat his teenage daughter for emotional stress related to a medical condition. The therapist worked out of a local hospital. But he was surprised when the bill for each visit contained two charges: the approximately $100 he expected to see for the therapist — and a similar fee for the room, which was not covered. "How could it be that the doctor was in network and the hospital was in network, but I had to pay separately for the room?" Mr. Boudreau said.