I have a high deductible plan with a a $7000 family deductible. So say I have a bill for $5000 and my insurance says they will pay $3000 leaving my responsibility $1000.
So is $5k or $1K counted towards my deductible? And if it’s what I owe (1K) how is it calculated if I negotiate the price down, does the amount toward deductible change or is it still 1K? I can’t find anything online explaining this and I get different answers from my insurance provider.
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