Unfortunately, it isn't an even playing field here in the U.S. and the cost range for procedures and doctor visits can vary dramatically. Hospitals charge by balance billing. The hospitals argue that this covers costs for other patients who neither have insurance nor the means to pay and results in a big surprise for those who believe they are covered by insurance.
Despite having an agreement with your healthcare insurance company, hospitals and facilities often charge you over what is paid as a deductible and the amount the insurance company pays (balance billing). It could also result from an in-network doctor bringing in another doctor/anesthesiologist out of your network during surgery without your approval. If this happens go to Consumers Union for help
Don't just arbitrarily pay any amount you are billed for. (I was once billed twice for a well woman exam which is covered 100% by my insurance company.) Also, there are mistakes. Billing codes are often input incorrectly and item charges for services/medication not received.
Check the bill thoroughly and if it is an exorbitant amount (surprise medical bills), negotiate. Check web sites for your state for healthcare costs Texas Health Care Costs, to avoid surprises or, Healthcare Blue Book
Negotiating Medical Bills
If you have a procedure always ask for an itemized bill (EOB - explanation of benefits). One man was charged $20,000 for a stent which should have only been charged at $1,000.
The Healthcare Blue Book will show you what to expect as far as price and the location with the lowest cost.
Texas laws regarding unpaid medical bills
