I tried early on to keep up with the difference between what the medical folks were billing and what the Ins Co. was actually paying, but lost track along the way. In our case it was several hundreds of thousand $ billed over a 2 yr. period but that was not what the Ins. co. actually paid. Our yearly deduct and copay was $2000. and John's Ins premium was $900.00 a month. Until we all start really screaming at our congressional reps [who don't have to pay medical ins] this will continue. Your voice and your vote counts. And there is a really big game going on out there. Amy in the Ozarks.