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/MikeUsesNotion 9d ago

Sounds like it was covered. Covered doesn't mean you pay nothing.

-3

u/PromotionAgile 8d ago

In that sense, sure. But that wasn't really my point.

1

u/throwawayeverynight 7d ago

Your point is… Your responsibility is $900 because you gave a high deductible. You feel that a 15 minute visit should be less. Here’s the thing it’s a urgent care, charges are more expensive. You could potentially ask to see if you where to pay as a self pay patient how much would it be. Keep in mind that the claim submitted to insurance would be reversed and cancel, it’s illegal to have 900 applied to your deductible if this isn’t the amount they will collect. High deductible plans are really there to have your back if something major happens, it’s extremely expensive just for just office visits if you truly don’t go often to a Dr