And sometimes the doctor has an agreement with the insurance company for a fixed amount and you don’t pay the difference.
My insurance company didn’t pay sh!t last year. I’m not saying, didn’t pay the full amounts, I’m saying their contribution (out of the funds I paid them every two weeks, per my employer’s policy which I subsidize) was ZERO.
This year the employer changed providers and now I’m paying even more per check. Haven’t been to the doctor. Can’t afford to. Thanks NObama.