It doesn’t actually happen. When you get a bill, you can see clearly how much hospital charged, how much insurance negotiated down, and how much is your share.

It doesn’t actually happen. When you get a bill, you can see clearly how much hospital charged, how much insurance negotiated down, and how much is your share. If insurance sent you this, but then secretly conspired with hospital to pay even less than what they told you they pay, that would be criminal fraud. Suffice to say, this almost never happens.