> I agreed to pay $450 cash and no one in the office understood how to handle it. I finally get to pay the $450 cash and I still got a bill from my insurance fo

> I agreed to pay $450 cash and no one in the office understood how to handle it. I finally get to pay the $450 cash and I still got a bill from my insurance for $600 because they also billed my insurance. That's not how that works. If a provider submits to insurance, the insurance won't pay it, and the provider will send the unpaid balance to you. The insurance company won't send you a bill. > Then there's the insanity of cash price being cheaper than the insurance price. Not insane. They have to bill higher and the insurance company will have negotiated a 'discount' typically. Also, it costs more money to have people on staff to file with insurance rather than just accept cash. You have to pay for people's time. > I also have an HSA tax free bank account that lets me pay for this stupidity tax free, yay! Dozens of more hours were thrown away trying to understand how HSA accounts work, what I can charge to the HSA account and picking a bank to handle the HSA account. Totally agree with you on this one. It's pretty confusing to say the least.