AETNA COUNTING IN NETWORK PROVIDERS AS OUT OF NETWORK

Guys, I’m a foreign student enrolled in the Penn Student Insurance Plan (PSIP), purchased through the University. Recently, I had a health issue and was hospitalized for 5 days, plus follow-up appointments for check my recovery. In the EOBs, Aetna shows that all providers were in-network (all within the Penn Medicine network), but it’s applying the charges toward my out-of-network limits. As a result, it’s not covering part of the expenses. Because the out-of-network deductible and out-of-pocket maximum are much higher, this seems clearly incorrect. Has anyone dealt with this before? What’s the best way to proceed? Can the University help with this?