<human>: Can you condense the text into a few key points?

I am in NJ and my insurance is Aetna. In December 2015 my doctor asked me to get an echo cardiogram.  I made the appointment and had the service done on 12/30/15. When I called my doctors office to get the referral (prior to the echo) I was told that with my insurance I did not need a referral.  A month or so later I notice that my insurance claim is not approved.  After a little investigation I find out I did need a referral.

After speaking with my Dr's office they provided me with a reference number from the conversation that they had with Aetna where they were told I did not need a referral. I took this information and filed a claim with Aetna. Denied. A second claim. Denied. A third. Denied.

Finally went back to Dr. to get a back dated referral.  I am now 6 months out from having this done and my Dr office now is telling me they will not back date a referral.

Do I have any recourse.  My negotiated rate for the procedure would be $220 and count toward my deductible.  As of now I owe $1100 and it does not count toward my deductible.  Needless to say this isn't money that I have.

Please help!
<bot>: Was told I didn't need a referral by insurance. That was wrong and thus my claim denied.  Doctors office wont back date a referral and now I owe way more than I can afford.