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UpCoconut t1_izkdek4 wrote

not necessarily. With my HDHP, the insurance still has a negotiated rate. It's just a negotiated rate that I have to pay instead of the insurance company paying it. For example, I had emergency surgery that was billed to me for $15K. I added my insurance and the bill was revised to $7K for it. I then negotiated it down from there. The website says that BCBS for this surgery is $12 at the hospital I went to. Not $12K. $12. Definitely wrong.

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