What you have described -- a provider who does not try to collect the patient responsibility portion of a bill -- is actually insurance fraud (because the provi

What you have described -- a provider who does not try to collect the patient responsibility portion of a bill -- is actually insurance fraud (because the provider has told the insurer the total price for the procedure is $42k, when the provider actually only intends to collect $38k). I'm not saying that means it didn't happen--things like this are incredibly common--but a reply suggesting you might not have described the full picture and it's possible there is no fraud is not completely out of line or an insult to your intelligence. (I upvoted your original comment, BTW.)