Much of it is defined in their policies and imo Kalifesque reality, however if the strep test accidentally goes to an out of network lab, then you will have to

Much of it is defined in their policies and imo Kalifesque reality, however if the strep test accidentally goes to an out of network lab, then you will have to pay their imaginary rate or argue with your insurance provider. Another example would be using an out of network anesthesiologist, which one would not be informed of and then receive a surprise bill three moths later. Some states have passed legislation which somewhat protects against this however here is a good example of it https://www.google.com/amp/s/khn.org/news/even-with-insurance-she-faced-227k-in-medical-bills-what-it-took-to-get-answers/amp/ https://www.google.com/amp/s/khn.org/news/even-with-insuranc...