Do I need to pay this?

I just started working with a new provider and they outsource to an insurance biller. My provider is in-network and insurance will pay 80%. I have also met my deductible for the year, so I don’t have to worry about that.

I just got the invoice from the billing company and they are charging me 100%. I wrote back and sent a copy of my EOB that showed that my insurance company already sent them a check for 80% and that my deductible has already been met for the year.

This is what they wrote back to me:

“Thanks for reaching out to let us know that you believe your deductible (deductible was in bold) has been met.

Our team reviews every claim that comes back from the insurance carrier. Once a claim returns, we confirm whether or not the payment responsibility your insurance has confirmed for the session matches what we have invoiced you for that date of service. If we have overcharged you for an appointment, we will always refund you that amount.

While we try to charge you the correct amount upfront, these payment responsibilities depend on when your insurance processes the claim. This typically occurs 30-60 days after an appointment. Therefore, the amount you owe at the time of the appointment might differ from what you actually owe once the claim processes. For example, you may have met your deductible at some point between your appointment date and when the claim was processed. You can learn more about this in our Support Center articles”

I just think it’s dumb to send them money just to have them reimburse me, not to mention how long that can take, and honestly my trust in billing departments is not that high. Should I just send them my 20% responsibility? Thanks

submitted by /u/Fickle-Honeydew1660
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