Potentially high physical therapy bill? Has anyone been in a similar situation?

I have an HSA plan with a high deductible ($1500). I recently went to a private physical therapy clinic 1x before the end of last year and 3x this year. They were super unclear about what I was responsible for paying. It is out of network. They said all I had to pay was $20 copay and that their cash rate was $75 per visit all in. They said they would honor my in-network rates even though I am out of network.

Being new to all of this, I am thinking, how can it exceed $75 per visit with insurance? Then their insurance dept kept calling me to inform me that I would be responsible for the amount that my insurance does not cover. They got me to sign a credit card authorization form.

I saw that they billed my insurance $1000, $800, $800, and $1000 for the 4 visits which constituted some exercises. I called my insurer and they said that they applied roughly $130 for each visit towards my deductible and that I may be responsible for the balance.

I have gotten some in-network PT care in the past and all I had to pay was $69 copay per visit before my deductible

I still haven't gotten a clear explanation of what I would be billed by the PT and am scared for what I would have to pay. Would really appreciate any suggestions. thank you.

submitted by /u/deez29
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