Ask anyone, and they will have a story to tell you about a medical bill.
Over your holiday dinner, Uncle Bill will say, “Thank goodness I have insurance, or else my knee replacement would have cost me a fortune,” or your sister will lament, “The doctor was in-network, but the facility where they performed the operation was not—how was I supposed to know the facility was out-of-network?!” The truth is that patients frequently have little understanding of medical fees and why they are what they are. Without an agreement on a fee, a physician can bill whatever he or she wants. At the same time, without an agreement on a fee, and in the absence of an emergency, the patient and insurer may have little obligation to pay it.
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