I came across this article out of frustration. My wife went to a clinic that posted an office visit rate of $99. She presented our insurance card just so the ou

I came across this article out of frustration. My wife went to a clinic that posted an office visit rate of $99. She presented our insurance card just so the outlay would get logged in the system against our out-of-pocket total, but there was no expectation of actually getting any money back. We have a very high deductible (by choice), and we'll see insurance money only in a really bad year, not unlike auto or house insurance. But since she showed them that card, suddenly the amount we owed shot up to $273. Both the clinic's and insurance company's response to us has been basically: suck it up, we have contracts in place.