Doctor's offices are faced with thousands of different types of health insurance plans.  Even in one health insurance company, the plans are very diverse.  They have different copay amounts, different types of plans like HMOs, PPOs, and HSAs.  So, alot of money is spent on administrative costs to sort out how the insurance company will cover a visit to the doctor.  Usually, a doctor's office will call and check your benefits.  They will ask the health insurance company how they cover a certain service.  A customer service rep will let them know your copay, coinsurance, or deductible amount.  However, sometimes either the information is not told correctly by the customer service rep or the doctor's office misinterprets the benefits and collects money from you incorrectly.  The good news is this is often solved with a phone call to the health insurance company to sort out the matter.  A good health insurance company will follow up with the doctor to resolve the issue.

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