Why am I being charged $200+ for blood work????

So, I am a young person new to the insurance game.

I recently got a BCBS Select Silver 94% Cost Sharing Plan. (I spent weeks reading over everything and decided this one was my best shot at the time).

So, I went to the doctor. Paid nothing for my visit, surprisingly. (I expected a $15 co-pay like it was outlined in my PDF, but I'm not complaining.)

It was just a routine visit to get some meds refilled, get a few referrals, and I got some bloodwork done. (Still confused at why I need a referral for every dang person I wanna see).

But anyways, I looked in the app at the claims that I got notifications for.

I saw one for the pharmacy for a medicine I paid $3 and some change for. Nothing suspicious.

Saw a claim with my doctor's name on it saying I may owe $15.00 and my benefit paid $93.00. Not worried about that. I expected the $15 but I was wondering why I didn't have to pay, but I'll leave it.

I see a claim from a laboratory saying my eligible charges were $39 and I MAY OWE $260..?????

Can someone shed some light? Is it too late to pick another insurance, because if this is going to be a normal thing from now on when I go to the doctor, I'd rather not go at all….

I thought I was at least getting somewhat of a good deal with this insurance choice. I read over everything and thought I understood.

What's going on?

submitted by /u/SonicSpeed15
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