Do i pay difference between PPO coverage and what doctor billed?

Question

Have a PPO with 1000 deductible. Had an exam and doctor ordered a genetic test to see if I had a specific condition. Got a notice(not a bill) from Blue Cross, the lab that ran tests charged 450.00 insurance authorized 38.00. Since Quest is billing 450 will i be billed for difference or does doctor office absorb difference based on contract with insurance...Top it off only 38.00 goes toward deductible not 450.00

Answer 1

The rest of that bill is yours. We all have  bad insurance my deductible is $1500.00

Answer 2

Wait until you hear from the lab. Just because they charge $450 doesn't mean you have to pay that. BCBS may have a contract with Qwest that states they will only pay $38 for that test for their insureds. You can call BCBS and ask them, but I'm guessing that if you owe anything, it will be $38 that BCBS applied toward your deductible. That $38 would be paid to the lab.

Answer 3

$38 will be paid by you, to Quest. The balance will be written off by Quest. That's their "discount" No one pays it.

Answer 4

Just call your insurance company they are the only ones that can anwer your questions! Insurance today is B.S