350 for a Vit D test is about 5 times the normal cost and I agree for that insurance should not have to pay.
“350 for a Vit D test is about 5 times the normal cost”
My insurance would pay the average cost of this test for your area, like maybe $50.00 if that and the difference you don’t have to pay.
If the provider accepts your insurance, including medicare and they billed the insurance $382.00 for an office visit, your insurance will say that $254.95 of that charge is not payable as it exceeds what Federal law allows and you are not responsible for it, only $ 127.05.
Some providers will try to get you to pay their full billed amount, that is called “Balance billing” and is against the law. This includes both “in network and out of network”.