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/Unholy4Guacamole 8d ago
In the future, ask for upfront billing costs/estimates. If your insurance deductible is too high, ask the office how much for a cash-paying rate (not billing insurance).
Additionally, depending on your medical needs, maybe reconsider your health insurance plan. If you don't go to a doctor regularly, maybe you don't need to pay high monthly premiums for a lower deductible.