r/HealthInsurance 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/Mysterious_Luck4674 8d ago

Your insurance did “cover” it of the $900 goes towards your deductible. That’s how a high deductible plan works - you pay the entire cost until you meet the deductible. Then you pay much much less.