Your health insurance planhas negotiated the fees that your provider is
allowed to charge for the year. This list of fees is called a fee schedule.
For example, an internist might charge a patient that doesn’t have any
health insurance $100 for an office visit. Every year, the insurance company
negotiates the fee for an office visit with your provider, and in a given
year, the provider might be allowed to only charge the insurance, let’s say,
$67.49 (it’s always an odd number like that). So when it comes to the
patient’s responsibility, be that a share of cost or a deductible that
hasn’t been met, the responsibility will be applied to the fee schedule
amount, not the out of pocket amount that the provider charges patients
without any health insurance.