What to do if my actual health coverage does not match on-line published coverage which has resulted in less actual coverage?

First, when you say, "looking at the  fine print, I see that this is true," what fine print are you referring to?

If it was dislosed on the matrix summary you used to make your decision to buy the insurance--of the matrix or other materials you viewed prior to purchasing even said anything like "Terms and conditions may vary; check the policy we provide you prior to signing to confirm what your costs will be," then it is likely your "fault"--information was there, prior to your buying insurance, which would have let you know that you might pay more or differently.

On the other hand, if all the materials you were provided to help you decide what and whether to buy firmly stated that your first four visits were just a $25 copay, and information about the true cost was buried in small print somewhere on the policy, that may constitute fraud and give you grounds for recovery; an insurer or other company can't do everything in its power to lead you to believe that the cost is X, while only, in a place and form that a reasonable consumer would not look, state that the true cost is Y.