ER visit, with insurance, under deductible – can this be negotiable or too late?

I’ve attempted to research this, but all sources seem to focus either on the uninsured, or how to set up a payment plan.

I had to go the ER for the first time in the US, for my child, and the bill came to just under $3k, which is our individual deductible. I haven’t received it in the mail, but that’s the claim processed via insurance.

Is this just nearly $3k I have to pay, or is this in any way negotiable? I understand that one can negotiate a medical expense with the hospital if there is no insurance involved, but do I lose that opportunity by having and providing insurance? Is there anything I can do to somewhat decrease the cost of our one-hour visit, or is this just it?

I also have a $150 copay for ER visits. May I assume that’s at least “waived” because I have to pay for the whole visit out of pocket anyway? They’re not going to charge me an extra $150 just because I used insurance, right?

Location: US (OR if it matters)

submitted by /u/recercar
[link] [comments]I’ve attempted to research this, but all sources seem to focus either on the uninsured, or how to set up a payment plan. I had to go the ER for the first time in the US, for my child, and the bill came to just under $3k, which is our individual deductible. I haven’t received it in the mail, but that’s the claim processed via insurance. Is this just nearly $3k I have to pay, or is this in any way negotiable? I understand that one can negotiate a medical expense with the hospital if there is no insurance involved, but do I lose that opportunity by having and providing insurance? Is there anything I can do to somewhat decrease the cost of our one-hour visit, or is this just it? I also have a $150 copay for ER visits. May I assume that’s at least “waived” because I have to pay for the whole visit out of pocket anyway? They’re not going to charge me an extra $150 just because I used insurance, right? Location: US (OR if it matters) submitted by /u/recercar [link] [comments]Read Morer/HealthInsurance

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