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Originally Posted by spidercrab
This seems a little tin-foily.
?
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My experience is that I go for service, the practice estimates how much insurance will cover, and I'm responsible for the balance. (So being responsible for that immediately sounds reasonable.) Then, if there's some mis-estimation for how much insurance covers, I get billed for the balance. My guess is that this is similar.
(Not a doctor.)
I moved to a high deductible plan so I could use an HSA. The insurance company instructs to do the following:
* Do not pay anything at time of visit
* Dr office submits bill to insurance
* Insurance responds with whatever the charge is
* Dr office then sends bill
Insurance company (blue cross MA) says any office in their provider network has agreed to follow this method for billing.