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/whatdoiknow75 9d ago

Have you seen the EOBm, is that 900 before or after it was submitted for insurance, and is the urgent care center a participating provide for you insurance?

Insurance companies don't set the rate, they negotiate a rate for each of the procedure codes, usually significantly below fhe providers’ rates. That does your provider say is the appoved fee.

An yes, having a high deductible plan stinks, particularly if you don't have an HSA or FSA to cover the deductible.

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