I see the billed vs the adjusted on my insurance forms and just wonder how they expect anyone to pay out of pocket.

For instance a single doctor 1/2hr followup: billed 215, insurance says 35 dollars allowed. My copay is $25 so the insurance is out $10. A guy oun his own would have to negotiate the office staff down $180.

I guess my point is I would negotiate like hell with these folks.