[Terry Mross]

Here’s an example:

The doctor bills $500.

On the bill it shows:

Total Charge: $500
Insurance Adjustment: ($400)
Amount Paid By Insurance: $00.
Amount Due From Patient: $100.

This happens all the time.

[Graybeard58]

The example you showed is perfectly legal, you'd owe $100. I have a $300 deductible on my insurance, until I have met that, I pay all bills and they appear the way you show. After my $300 deductible is met, I pay 20% and insurance pays 80% until I have paid my max out of pocket of $1,000 after that my ins pays 100%.

Everything appears on the up and up with yours.

If you had no ins, you would owe the entire $500 in your example, if you were on medicaid you'd owe $0. I know there's something wrong with that but that's the way it is.