r/HealthInsurance • u/PromotionAgile • 9d ago

Plan Benefits High charge at urgent care

I was charged $900 for a 15 minute visit to urgent care. Insurance doesn't cover any of it because I have a high deductible plan. I called the medical practice saying the charge was ridiculous. They checked the billing codes and found no error.

They said the insurance company sets the price and I can file a grievance with insurance. That seems like a wild goose chase.

Why is it so expensive? Is there anything I can do to reduce the cost?

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u/Accomplished_Boat499 9d ago

Google the billing codes and see if they match up to what you had done.

$900 for a 15 minute visit does not sound right. Urgent care pricing is more in line with PCP pricing, unless the urgent care is attached to a hospital and it’s billed at ER level.

Did you have any tests done?

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u/PromotionAgile 8d ago

No tests done. I think it's a matter of getting billed at the high deductible plan rate vs a different plan rate vs no insurance rate.

1

u/Accomplished_Boat499 8d ago

Not sure why the downvotes on the first comment… but

A high deductible plan still has the same network discount as a non high deductible plan, provided they are on the same network. What differs between plans is what you pay v insurance pays on that discounted rate.

I would really investigate further, if that is truly the cost after discount for an urgent care evaluation, that’s a horrible plan - no matter your benefits.

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u/PromotionAgile 8d ago

Not sure why you got downvoted