I have medical expense insurance with two companies that include a clause in their provider contracts that do not allow balance billing. In at least two instances I have been able to get what is generically called a "balance billing letter" sent by the insurance company to a medical provider who attempted to bill me for the difference between their charges and what they agreed to accept from the insurance company. The statement we all sign saying we will be responsible for the difference is superceded by the contract between the insurance company and the provider. But, not all arrrangements have this feature and it might be something to check for anyone shopping for insurance.
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Tom W
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