I had an NIPT done for my current pregnancy back in February. I checked my health insurance portal after a couple months because I suspected it would take some back and forth between the lab’s billing and my insurance to settle on an amount.

In May, I checked my insurance portal to see the amounts below. The price my insurance covered far exceeds the ‘self pay’ price for this service, and I have yet to receive a bill from the lab for the $9,651 that I ‘may owe’. – which also far exceeds my deductible.

Amount billed
$11,621.20
Your plan paid
$1,969.62
Total amount you may owe
$9,651.58

My insurance counted $4,786.26 of this service toward my deductible and all of my medical services since have been covered completely because my insurance believes I have satisfied my deductible and max oop from this service.

Is this usual? Should I expect a large bill from the lab still – to which I would argue that they never should have accepted my insurance’s payment and I would have paid the ‘self-pay’ price that is under $500..

But then would my insurance have to recalculate my share of all services I have received since this and the providers issue new invoices?

As you can tell, I am very confused and not sure what to expect with a large sum just hanging around out there. I’ve heard genetic testing labs over bill to see what they can get from insurance so I’m not sure if I will see anything additional from them or not?

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