My insurance company and my employer are NOT helpful so I'm asking the internet. Due to some issues I'm still trying to work out my doctor is not considered out of network and I got a $246 bill. I looked at a past bill to see how insurance covered past in-network appointments. Here is what the breakdown is:
Amount billed: $246
Plan discount: $104.07
Plan paid: $116.93
Does this mean the doctor was paid $116.93? If this is the case, why do I have to pay the full $246 out of pocket if the insurance is only on the hook for $116.93? Seems ridiculous that an insurance company has to pay less than someone trying to pay without insurance. Trying to understand to see if there is anything I can do to reduce the bill because I have six bills like this that are now not covered.
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