New to the world of US Private Health Insurance

Hi All,

As the title suggests, I'm new to all this Health Insurance billing. My question is how do I know what is covered and what isn't in my plan? I obviously have the basic documentation from my employer.

For example, I was sent to a specialist(Urologist) to review a medical issue. The specialist billed $311, of which apparently, $200 is my deductible after a Insurance discount of $111. The same specialist had a test done, which again cost $600, with a insurance discount($350), resulted in my out of pocket of $250.

I also went to a separate specialist(same type) and had a similar experience but with completely different numbers different billing. $200 Doc visit less $75 insurance discount, resulting in $125 out of pocket for me. Likewise a test, $125 less $115 resulting in $10 out of pocket for me. I

How do I know how much anybody will charge me, other than the generic estimates on the UHC website(doctor prices, not labs which aren't available, none of which have been accurate so far). Should I be contesting any of the above bills? If so, how?

submitted by /u/stevekrack932
[comments]