I was referring to the total bill, in both cases. Sadly, yes, I do have a high deductible plan. The $300+ bill usually gets adjusted to about 50% by the insura

I was referring to the total bill, in both cases. Sadly, yes, I do have a high deductible plan. The $300+ bill usually gets adjusted to about 50% by the insurance (I’m in network), and then I pay my share, depending on the state of my deductible and out-of-pocket expenses. (So in my case, 90% before deductible is met, then 10%, until I reach my OOP max.) UC bill is processed in a similar fashion, and my actual responsibility tends to be less than from my primary care doctor.