i need help understanding how

health insurance works..i keep getting bills from my dr.s office for $400..i thought that if that dr. accepts your ins., that they accept what your ins. covers...i understand that there is a co-pay but why am i getting bills? plus the fact that i know some dr.s def make up prices which is making me more upset...please help me before i call looking like an idiot...thanks

Re: i need help understanding how

are you sure its a bill?
sometimes the place that does my lab work will send me a note saying

"your lab work cost $175- pleae understand that if your insurance company does not pay this, we will seek reimbursement from you" or something like that


also, if it is indeed a bill, tell your HR person! you should not be getting billed- unless there is a problem with the insurance or if you are doing something that is not covered by the insurance.

Re: i need help understanding how

Its all very tricky. Depending on what they charged you, sometimes your insurance will only cover a certain amount of the cost OR if its a procedure done more than once, your insurance will only cover the first time.

Ex - I have to have an ACI blood test to track my diabetes every 3 months. My health insurance only covers it once a year.

Re: i need help understanding how