I quit seeing my chiropractor?
No small part of that decision was my concern over building medical bills. My insurance has a $1500 in-network deductible (no one is in network) and a $3000 out of network deductible (every provider is out of network). Because of this, I asked very carefully about charges for each procedure. I knew treatment was going to be expensive, but I wanted to be prepared.
I wasn't prepared. When I got my bill, each treatment I had (Graston, adjustment, ultrasound) was billed as "two units". There was no indication of what constituted a unit. Five minutes? One adjustment? One area of Graston? So basically, the bill was double what I expected (also, they charge $15 to apply ice, which I refused each time but was still charged for).
But I know that healthcare prices mean absolutely nothing. So I called the office. I briefly expressed my concern to the office manager and she immediately said, "We'll write off half your bill." Just like that. So while I think the billing was a little shady, I won that round.
If my insurance had paid, they would have disallowed at least 50% of charges, which is probably whyI was billed like that. I think the office is plenty happy to have half of what they asked for - and I'm happy to pay $500 instead of $1000!